Payday Loans in Oakley, Idaho

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Alpine Capital Mortgage 333 Main St S 207, Ketchum, ID 83340 +1 (208) 726 - 5466
Liberty Loans 8249 W Overland Rd Ste 110, Boise, ID 83709 +1 (208) 322 - 4015
Cash Flow Partners 9407 N Government Way 10, Hayden, ID 83835 +1 (208) 762 - 3168
Bank of Idaho 399 N Capital Ave, Idaho Falls, ID 83402 +1 (208) 524 - 5500
World Finance 4596 W Chinden Blvd, Garden City, ID 83714 +1 (208) 853 - 2216
GreenPath Financial Wellness, Lewiston, ID 701 Bryden Ave, Lewiston, ID 83501 +1 (800) 550 - 1961
U.S. Bank ATM - Ketchum 111 N Main St, Ketchum, ID 83340 +1 (800) 872 - 2657
EZ Money 477181 US-95, Ponderay, ID 83852 +1 (208) 265 - 2299
Xpress Cash 1710 N Whitley Dr, Fruitland, ID 83619 +1 (208) 452 - 4416
Money depot - Payday loans Sandpoint & Ponderay 105 Vermeer Drive Ste 2 A, Ponderay, ID 83852 +1 (208) 263 - 4211

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oakley, ID, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Boise, ID, Same Day Loans in Caldwell, ID, Short-term Loans in Idaho Falls, ID, Payday Loans in Lewiston, ID, Same Day Loans in Meridian, ID, Payday Loans in Nampa, ID, Short-term Loans in Pocatello, ID and Payday Loans in Post 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 Oakley, ID.

Beautiful sights of Oakley, ID

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

83346

Are Payday Loans Legal In Oakley, 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

Oakley, ID payday loan calculator

The Ins and Outs of Payday Loans in Oakley, Idaho

Payday loans are a popular financing option for people in need of quick cash. They provide borrowers with a small loan amount that is due on their next pay date. It’s a simple and efficient way to get the money you need in a timely manner. In Oakley, Idaho, payday loans are a legal and viable option for those who need funds quickly.

What is a Payday Loan?

A payday loan is a short-term loan that typically ranges from $100 to $1,000, although lending amounts vary by state and lender. They are designed to help borrowers cover unexpected expenses or financial emergencies, such as car repairs or medical bills. Payday loans are due on the borrower’s next pay date, which can be anywhere from a week to a month after they receive the loan.

To apply for a payday loan, borrowers must fill out an application with basic personal and financial information. Most lenders require a valid ID, proof of income, and an active bank account. Once approved, borrowers can receive their funds within one business day.

How Do Payday Loans Work in Oakley, Idaho?

Payday loans in Oakley, Idaho are regulated by state law. Borrowers can take out a maximum loan of $1,000 or 25% of their gross monthly income, whichever is less. The loan term cannot exceed 91 days. Lenders are also required to disclose the interest rate of the loan, as well as any additional fees.

Idaho law also prohibits lenders from rolling over a payday loan or charging fees beyond the initial loan amount. This prevents borrowers from getting trapped in a cycle of debt that can be difficult to escape.

The Benefits of Payday Loans

Payday loans can be a helpful financial tool for those who need funds quickly. They offer several benefits over traditional bank loans:

  • Quick Approval Process: Borrowers can receive their funds in as little as one business day.
  • No Credit Check: Payday lenders generally don’t require a credit check, making them accessible to those with poor or no credit.
  • No Collateral Required: Unlike most bank loans, payday loans are unsecured, meaning borrowers don’t have to put up collateral like their car or home to get approved.

The Risks of Payday Loans

Despite their benefits, payday loans also come with risks and disadvantages:

  • High-Interest Rates: Payday loans typically have high-interest rates, sometimes reaching up to 400 percent APR.
  • Short Repayment Terms: Payday loans are due on the borrower’s next pay date, which can be just a few days or weeks away. This can make them difficult to repay, especially if the borrower is already struggling financially.
  • Debt Cycle: If a borrower is unable to repay their loan on time, they may be charged additional fees and interest. This can lead to a cycle of debt that can be very difficult to escape.

Interesting Facts and Statistics About Payday Loans in Oakley, Idaho

  • In 2019, the average Idaho payday loan was $350 with an interest rate of 582 percent.
  • Approximately 37% of Idaho households struggled to make ends meet in 2020, according to the United Way ALICE Report.
  • Idaho has one of the highest concentrations of payday lenders in the country, with an average of 1.3 lenders per 10,000 people.

Apply Now for a Payday Loan in Oakley, Idaho

If you find yourself in need of quick cash, a payday loan may be the right option for you. At TheGuaranteedLoans, we offer a free and easy online application process that connects you with potential lenders. We are a connector service, not a direct lender, and we work with a network of trusted payday loan lenders in Oakley, Idaho. Apply today and get the funds you need to stay ahead of your financial obligations.

F.A.Q.

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

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

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

Yes, if a borrower is unable to repay their payday loan in Oakley, 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.

Look for Short-Term Loans in Other Cities: