Payday Loans in Mesa, Idaho

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

Company nameAddressZip codePhone number
1st Choice Money Center 8411 W Fairview Ave, Boise, ID 83704 +1 (208) 321 - 2734
Chastain Financial 280 S Holmes Ave, Idaho Falls, ID 83401 +1 (208) 542 - 5155
Affiliated Home Loans, Inc. NMLS 380333 655 S 4th E 101, Preston, ID 83263 +1 (208) 252 - 5010
Loanmax Title Loans 8990 W Fairview Ave, Boise, ID 83704 +1 (208) 323 - 5688
Umpqua Bank 1595 S Eagle Rd, Meridian, ID 83642 +1 (208) 888 - 2135
Teton Financial 1970 E 17th St 102, Idaho Falls, ID 83404 +1 (208) 525 - 9200
Brown Gerald L CPA 241 S Main St, Soda Springs, ID 83276 +1 (208) 547 - 3305
Northwest Title Loans 299 Yellowstone Ave, Pocatello, ID 83201 +1 (208) 478 - 1674
D.L. Evans Bank 200 W Market St, Albion, ID 83311 +1 (208) 673 - 5301
Title Cash 744 Overland Ave, Burley, ID 83318 +1 (208) 678 - 6035

Payday Loan Companies in Nearby Cities

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

Useful Articles

Are Payday Loans Legal In Mesa, 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

Mesa, ID payday loan calculator

Advise to read before applying

Introduction

Payday loans are a fast and easy solution for those who are in need of urgent cash. They are short-term loans that come with higher interest rates and require payment on the next payday. It is essential to note that payday loans are legal in the state of Idaho and, specifically, in Mesa.

What are Payday Loans?

Payday loans are perfect for those who need a quick injection of cash. They are usually taken out for a short period and repaid within the next payday. The maximum amount of payday loans in Mesa is $1,000. However, this amount can be lower, depending on your income and other factors that the lender considers.

One of the key advantages of payday loans is their speed. Most payday loan providers can approve your loan application within hours, and the funds are transferred to your bank account that same day or the next business day.

How Do Payday Loans Work?

Payday loans work by providing instant cash to borrowers who need it urgently. Borrowers are required to provide the lender with proof of income, a valid ID, and other personal information. Lenders use this information to evaluate whether the borrower qualifies for the loan and the amount they are eligible to receive.

If you are approved for a payday loan, the lender will provide you with the terms and conditions of the loan, including the interest rate, payment terms, and the due date. It is essential to read the fine print and understand these terms before signing the loan agreement and receiving the funds.

The Pros and Cons of Payday Loans

The Pros

  • Quick and easy to get approved
  • No credit checks are required
  • You can use the funds for any purpose
  • Payday loans are available even for borrowers with bad credit or no credit history

The Cons

  • Higher interest rates compared to traditional loans
  • Short repayment period, which can lead to financial difficulties if you are not able to repay your loan on time
  • Payday loans can lead to a cycle of debt if borrowers take out loans repeatedly to cover other loans
  • Failure to repay your loan may lead to penalty fees, legal action, and damage to your credit score

Interesting Facts and Statistics About Payday Loans in Mesa, Idaho

  • More than 10 payday lenders operate in Mesa
  • The average payday loan amount in Mesa is $400
  • Payday loans are legal in Mesa, Idaho, but interest rates are capped at 36%
  • The majority of payday loan borrowers in Mesa are young adults aged between 20 and 29

Apply Now with TheGuaranteedLoans

If you need fast and reliable payday loan services, TheGuaranteedLoans is here to help. We are not a direct lender, but we connect borrowers with potential lenders who can meet their financial needs. Our online application process is straightforward and fast, and the funds can be transferred to your bank account within hours.

Click on our ‘Apply Now’ button to fill out our online application. We will connect you with lenders who can provide you with the cash you need. Remember, payday loans are a short-term solution, and you should only take them out if you are confident that you can repay the loan on time.

Conclusion

Payday loans can be an effective solution to financial emergencies, but they should be used with caution. They are short-term loans with high interest rates that need to be repaid on the next payday. It is crucial to read the fine print, understand the terms and conditions of the loan before signing the agreement, and confirm that you can afford to repay the loan on time. If you choose to apply for a payday loan in Mesa, Idaho, TheGuaranteedLoans is a reliable and trusted connector service that can help you find the right lender to meet your needs.

F.A.Q.

Can I get a payday loan in Mesa, Idaho if I don't have a checking account?

No, to get a payday loan in Mesa, Idaho, you must have an active checking account. This is because the lender will typically deposit the loan funds directly into your account and automatically withdraw the loan repayment on the agreed-upon date.

Are there any restrictions on the fees that payday lenders can charge in Mesa, Idaho?

in Mesa, Idaho, there are restrictions on the fees that payday lenders can charge. For example, lenders are not allowed to charge more than $1 for every $5 borrowed, up to a maximum fee of $20 per loan. Additionally, lenders are prohibited from charging certain fees, such as application fees or prepayment penalties.

Look for Short-Term Loans in Other Cities:

Boise Caldwell Idaho Falls Lewiston Meridian Nampa Pocatello Post Falls Twin Falls
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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