Payday Loans in Rogerson, Idaho

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

Company nameAddressZip codePhone number
Washington Trust Bank Drive-up Only 222 E Troy Rd, Moscow, ID 83843 +1 (208) 883 - 6724
Beehive Federal Credit Union 1087 Erikson Dr, Rexburg, ID 83440 +1 (208) 656 - 1000
U.S. Bank Branch 183 S State St, Rigby, ID 83442 +1 (208) 745 - 8181
U.S. Bank ATM - Mountain Home 305 N 2nd E, Mountain Home, ID 83647 +1 (800) 872 - 2657
Zions Bank Moscow 105 S Main St, Moscow, ID 83843 +1 (208) 882 - 4581
Check Into Cash 1230 Caldwell Blvd, Nampa, ID 83651 +1 (208) 465 - 2026
Advantage Plus Federal Credit Union 311 US-91, Preston, ID 83263 +1 (208) 852 - 9999
PrimeLending, A PlainsCapital Company 7177 Main St Suite B, Bonners Ferry, ID 83805 +1 (208) 926 - 6289
Moneytree 113 Thain Rd, Lewiston, ID 83501 +1 (208) 743 - 3500
Northwest Title Loans 949 Blue Lakes Blvd N, Twin Falls, ID 83301 +1 (208) 735 - 1795

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rogerson, ID, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Lewiston, ID, Payday Loan Companies in Meridian, ID, Payday Loans in Nampa, ID, Payday Loans in Pocatello, ID, Payday Loans in Post Falls, ID, 24-Hour Loan in Twin Falls, ID, Payday Loans in Boise, ID and Short-term Loans in Caldwell, 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 Rogerson, ID.

Are Payday Loans Legal In Rogerson, 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

Rogerson, ID payday loan calculator

In Rogerson, Idaho, as in many other states, individuals may face unexpected financial emergencies that require immediate cash. In situations like these, payday loans can be an attractive option.

What Are Payday Loans?

Payday loans are short-term loans typically designed to be paid back on the borrower’s next payday. These loans are appealing to individuals who need emergency cash quickly and have limited access to other forms of credit.

Payday loans, also called cash advances, usually range from $100 to $1000 but can vary depending on the lender and the borrower’s income. The borrower provides the lender with a post-dated check or authorizes an electronic debit from their bank account. When the loan becomes due, the lender cashes the check or debits the borrower’s account. If the borrower is unable to repay the loan on time, they may be charged additional fees and interest and may even have to roll over the loan, extending the repayment term.

Requirements for Getting a Payday Loan in Rogerson, Idaho

To get a payday loan in Rogerson, Idaho, you must be at least 18 years old and have a regular source of income. You will also need to provide proof of identity, such as a driver’s license, and proof of residency, such as a utility bill or lease agreement. The lender may also require a post-dated check or authorization for electronic debit from your bank account.

Interest Rates and Fees for Payday Loans in Rogerson, Idaho

Payday loans in Rogerson, Idaho, are regulated by the Idaho Department of Finance. The maximum payday loan amount you can borrow is $1000, and the maximum loan term is 90 days. The interest rate for payday loans in Idaho can be up to 660%. The average interest rate for a payday loan in Idaho is around 400%. In addition to interest, payday lenders may charge additional fees, including origination fees, late payment fees, and insufficient funds fees.

Benefits of Payday Loans

Payday loans have several benefits for individuals facing financial emergencies. One of the primary benefits is that payday loans are accessible to people who might not qualify for other forms of credit. Payday loans also have a simple application process and typically require minimal documentation. Additionally, payday loan funds are usually available within one or two business days, which can be a significant advantage during a financial emergency.

Drawbacks of Payday Loans

While payday loans can provide quick and convenient access to emergency cash, they also come with several drawbacks. One of the biggest drawbacks of payday loans is their high interest rates and fees. These fees can quickly add up, making it difficult for borrowers to repay the loan on time. Additionally, payday loans can create a cycle of debt, as borrowers who are unable to repay their loan may be forced to roll over the loan, extending the repayment term and incurring additional fees and interest.

Interesting Facts and Statistics

  • Idaho has one of the highest per-capita rates of payday lenders in the nation, with around one lender for every 3,000 residents.
  • The average payday loan borrower in Idaho takes out around seven loans per year.
  • Between 2011 and 2015, the number of payday lenders in Idaho increased by 16%, while the number of loans increased by 24%.

Apply Now for a Payday Loan in Rogerson, Idaho

If you’re facing a financial emergency and need immediate cash, TheGuaranteedLoans can help. As a connector service, we work with a network of potential lenders to facilitate your loan application process. To apply for a payday loan in Rogerson, Idaho, simply fill out our online application and submit it. We’ll take care of the rest, connecting you with a lender who can provide the emergency cash you need. Remember to borrow responsibly and repay your loan on time!

F.A.Q.

What happens if I can't repay my payday loan in Rogerson, Idaho?

If a borrower is unable to repay their payday loan in Rogerson, Idaho, they may be subject to late fees and collection efforts. In some cases, the lender may pursue legal action to recover the funds.

Are there any alternatives to payday loans in Rogerson, Idaho?

Yes, there are alternative options to payday loans in Rogerson, Idaho, such as personal loans from banks or credit unions, borrowing from friends or family, or using credit cards for emergency expenses.

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