Payday Loans in Melba, Idaho

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No payday loan companies in Melba, ID. Consider companies in other cities:

Company nameAddressZip codePhone number
Washington Trust Bank Drive-up Only 1518 21st St, Lewiston, ID 83501 +1 (208) 750 - 7940
Cash Store 4100 Yellowstone Ave STE D, Pocatello, ID 83202 +1 (208) 238 - 6119
First Federal Savings Bank 22349 Kimberly Rd, Kimberly, ID 83341 +1 (208) 423 - 6226
Pioneer Federal Credit Union 3197 E 8th N, Mountain Home, ID 83647 +1 (208) 587 - 3304
Money 4 You Payday Loans 7375 W Fairview Ave, Boise, ID 83704 +1 (208) 377 - 3832
Gentry Finance LOANS 3163 E Fairview Ave, Meridian, ID 83642 +1 (208) 895 - 0743
Youngwirth Deborah CPA 7193 Main St, Bonners Ferry, ID 83805 +1 (208) 267 - 5166
U.S. Bank Branch 201 Main St, Sandpoint, ID 83864 +1 (208) 263 - 6891
Quik Cash 1259 E 17th St, Idaho Falls, ID 83404 +1 (208) 523 - 6666
D.L. Evans Bank 3845 W State St, Boise, ID 83703 +1 (208) 342 - 2226

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Melba, ID, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Meridian, ID, Payday Loans in Nampa, ID, Payday Loans in Pocatello, ID, 24-Hour Loan in Post Falls, ID, Payday Loans in Twin Falls, ID, Payday Loans in Boise, ID, Payday Loan Companies in Caldwell, ID and Payday Loans in Idaho Falls, ID. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Melba, ID.

Beautiful sights of Melba, ID

Payday Loans Available in Melba, ID By The Following ZIP Codes:

83641

Are Payday Loans Legal In Melba, Idaho?

Loan Rates and Fees, Laws and Regulations in Idaho.

Idaho Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)652
Maximum Loan Amount$1,000 (or 25% of gross monthly income)
Minimum Loan TermNot Specified
Maximum Loan TermNot Specified
Number of Rollovers Allowed3
Finance ChargesNo Limit

Melba, ID payday loan calculator

Understanding Payday Loans in Melba, Idaho

Payday loans are a popular type of short-term loan that is designed to help borrowers get quick access to cash. These loans are typically small-dollar amounts, and they come with high-interest rates and fees. In Melba, Idaho, payday loans are legal, but it’s important to understand the regulations and requirements if you’re considering taking out one of these loans.

What is a Payday Loan?

A payday loan is a type of short-term loan that is designed to help you bridge the gap between paydays. These loans are typically due on your next payday and are repaid in full when you receive your next paycheck. The amount you can borrow will vary depending on the lender, but in general, payday loans are for small amounts of money.

These loans are often used by people who need quick cash to cover unexpected expenses or bills that can’t wait until their next paycheck. However, it’s important to remember that payday loans come with high-interest rates and fees, making them an expensive borrowing option.

Payday Loan Regulations in Melba, Idaho

In Melba, Idaho, payday loans are legal, but there are regulations and requirements that lenders must follow. According to the Idaho State Law, payday loan lenders must be licensed and comply with all state and federal laws.

The maximum amount you can borrow from a payday lender in Idaho is $1,000, and the loan terms cannot exceed 60 days. Additionally, lenders are required to provide all loan information, including the interest rates and fees, upfront, so borrowers understand the total cost of the loan.

In addition to these regulations, lenders must also follow rules regarding the number of loans that can be taken out at once, as well as limits on rollovers and renewals. It’s important to understand these regulations before taking out a payday loan to ensure you are protected and not taken advantage of by unscrupulous lenders.

The Pros and Cons of Payday Loans

Before taking out a payday loan, it’s important to weigh the pros and cons of this type of borrowing.

Pros:

  • Quick access to cash
  • No credit check
  • Easy to qualify

Cons:

  • High-interest rates and fees
  • Short repayment terms
  • Cycle of debt if not repaid on time

While payday loans can be helpful in certain situations, it’s important to remember that they come with significant risks and should only be used as a last resort. Consider other options, such as borrowing from family or friends, negotiating with creditors, or using a credit card, before taking out a payday loan.

Interesting Facts and Statistics about Payday Loans in Melba, Idaho.

  • In Idaho, the average payday loan is $350 with an interest rate of 582%.
  • Idaho has one of the highest concentrations of payday lenders in the country, with more than 200 lending locations across the state.
  • Payday lending is a $46 billion industry in the United States.
  • Research shows that 80% of payday loans are rolled over or renewed within two weeks.
  • 12 million Americans take out payday loans each year.

Apply Now

If you’re in need of quick cash, a payday loan may be an option to consider. TheGuaranteedLoans is a connector service that can help connect you with potential lenders in Melba, Idaho.

It’s important to remember that we are not a direct lender and do not make any lending decisions. However, we work with a network of trusted lenders that provide payday loans and other loan options to borrowers.

To get started, simply fill out our online application form. We’ll review your information and connect you with potential lenders that match your needs and qualifications. Our service is fast, free, and easy to use, so apply now to see if you qualify for a payday loan in Melba, Idaho.

F.A.Q.

Can I get a payday loan if I am unemployed in Melba, Idaho?

No, to qualify for a payday loan in Melba, Idaho, borrowers must have a regular source of income.

Can I get a payday loan if I receive Social Security or disability benefits in Melba, Idaho?

Yes, in most cases, Social Security or disability benefits can be used as a regular source of income to qualify for a payday loan in Melba, Idaho.

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