Payday Loans in Elk City, Idaho

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

Company nameAddressZip codePhone number
World Finance 817 S Washington Ave, Emmett, ID 83617 +1 (208) 365 - 1682
Security Finance 916 Blaine St, Caldwell, ID 83605 +1 (208) 455 - 9192
Cash Store 7476 W State St, Boise, ID 83714 +1 (208) 853 - 7555
Freedom Title Loans, Boise 6927 W Fairview Ave, Boise, ID 83704 +1 (208) 505 - 8966
Northwest Title Loans 191 Caldwell Blvd, Nampa, ID 83651 +1 (208) 465 - 8882
Jim Pike & Co 25 W Commercial St, Weiser, ID 83672 +1 (208) 549 - 0646
Lakeview Financial Inc. 810 N Henry St 400, Post Falls, ID 83854 +1 (208) 777 - 8420
Airman Pawn 690 N 2nd E, Mountain Home, ID 83647 +1 (208) 587 - 7296
First Federal 383 Shoshone St N, Twin Falls, ID 83301 +1 (208) 733 - 4222
Umpqua Bank 101 S Main St, Cascade, ID 83611 +1 (208) 382 - 4233

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Elk City, ID, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pocatello, ID, Payday Loans in Post Falls, ID, Payday Loan Companies in Twin Falls, ID, Emergency Loan in Boise, ID, Payday Loans in Caldwell, ID, Payday Loans in Idaho Falls, ID, Payday Loans in Lewiston, ID and Online Loans in Meridian, 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 Elk City, ID.

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

83525

Are Payday Loans Legal In Elk City, 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

Elk City, ID payday loan calculator

Payday Loans in Elk City, Idaho: What You Need to Know

Payday loans are short-term loans that can help you manage unexpected expenses until your next payday. In Idaho, payday loans are legal and regulated by the Idaho Department of Finance. If you live in Elk City, Idaho, and are considering a payday loan, there are several things you should know before you apply.

How Do Payday Loans Work?

Payday loans typically range from $100 to $1,000 and are intended to serve as a short-term solution to unexpected financial emergencies. These loans are usually due on your next payday, which means you will have to repay the loan in full, plus any interest and fees, within a few weeks.

To apply for a payday loan, you will need to provide basic personal and financial information, including your name, address, Social Security number, and employment information. Lenders may also require access to your bank account or a post-dated check.

If you are approved for a payday loan in Idaho, the lender must provide you with written documentation that includes the loan amount, the fees and interest charges, and the loan repayment date.

The Pros and Cons of Payday Loans

  • Pros: Payday loans can provide quick cash when you need it, and they are relatively easy to qualify for, even if you have bad credit.
  • Cons: Payday loans are expensive, with fees and interest rates that can add up quickly. If you can’t repay the loan on time, you may be charged additional fees and interest, which can make it even harder to pay off the loan.

It’s important to carefully consider the pros and cons of payday loans before you apply. If you have other options, such as borrowing from a friend or family member, or using a credit card, those may be better choices. But if you need cash quickly and have no other options, a payday loan may be a useful tool.

What to Look for in a Payday Loan Lender

If you decide to apply for a payday loan in Elk City, Idaho, it’s important to choose a reputable lender. Here are some things to look for:

  • Licensure: Make sure the lender is licensed to operate in Idaho.
  • Transparency: The lender should be transparent about their fees and interest rates, and provide you with all the information you need to make an informed decision.
  • Customer Service: Look for lenders with good customer service, who are easy to contact if you have questions or concerns.

Interesting Facts and Statistics About Payday Loans in Elk City, Idaho

  • Did you know that the average payday loan in Idaho is $411?
  • According to the Idaho Department of Finance, lenders charged an average interest rate of 582% in 2020.
  • In 2020, Idaho payday loan lenders issued more than 246,000 loans, totaling nearly $101 million.

Apply Now

If you decide to apply for a payday loan in Elk City, Idaho, TheGuaranteedLoans can help connect you with potential lenders. Our easy online application process takes just a few minutes, and we can provide you with multiple loan offers to choose from. Remember, we are a connector service, not a direct lender, and we prioritize your privacy and security.

Now that you understand the basics of payday loans, you can make an informed decision about whether this type of loan is right for you. If you do decide to apply, make sure you choose a reputable lender and read the terms of the loan carefully. With responsible borrowing and timely repayment, a payday loan can provide a useful financial bridge in times of need.

F.A.Q.

Are there any restrictions on the interest rates charged on payday loans in Elk City, Idaho?

Yes, the maximum interest rate that can be charged on payday loans in Elk City, Idaho is 456% APR.

Can I be sued for not repaying a payday loan in Elk City, Idaho?

Yes, if a borrower is unable to repay their payday loan in Elk City, Idaho, the lender may pursue legal action to recover the funds. It is important for borrowers to carefully consider their ability to repay the loan before taking out a payday loan.

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