✓ Legal & RegulatedReviewed: Aug 2025
IdahoLoan Laws & Regulations
Official regulatory reference for borrowers and lenders in Idaho. Includes permitted loan types, APR caps, lender licensing requirements, borrower rights, and government source links.
Max Loan
$1,000
Typical APR
400% APR
Max Term
None
Legal Status
Legal
Idaho Lending Regulator
The Idaho Dept of Finance oversees consumer lending in Idaho, including licensing, enforcement, and consumer complaint resolution. Before borrowing from any lender, verify their license using the official regulator lookup tool linked above.
Regulatory Details
Detailed regulatory data for Idaho is sourced directly from the Idaho Dept of Finance. For the most current requirements, visit: https://www.finance.idaho.gov/
Current Overview
Idaho payday loans up to $1,000 with no set term limits. Get matched with licensed Boise-area and statewide lenders instantly.
Legal Status: Legal · APR Range: 400% APR · Max Amount: $1,000
Idaho Lending FAQ
Are payday loans legal in Idaho?▼
Yes. Payday loans are legal and regulated in Idaho under the oversight of the Idaho Dept of Finance. Current APR range: 400% APR. Maximum loan: $1,000.
What is the maximum payday loan I can get in Idaho?▼
The maximum short-term loan amount in Idaho is $1,000. A $1,000 loan for 14 days in ID costs approximately $150 in fees. APR: 400%.
Who regulates payday lenders in Idaho?▼
The Idaho Dept of Finance is the primary state regulator. You can verify any lender's license at https://www.finance.idaho.gov/. Unlicensed lenders operating in Idaho are illegal — always verify before borrowing.
What are the alternatives to payday loans in Idaho?▼
Consider credit union PAL (Payday Alternative Loan) programs, licensed personal loan lenders, or non-profit credit counseling services in Idaho.