Payday Loans in Tensed, Idaho

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

Company nameAddressZip codePhone number
Freedom Northwest Credit Union 141 9th St, Lewiston, ID 83501 +1 (208) 743 - 2525
First Federal Savings Bank 1515 S Lincoln Ave, Jerome, ID 83338 +1 (208) 324 - 3663
First Federal - Corporate Offices 303 Shoshone St N, Twin Falls, ID 83301 +1 (208) 733 - 4222
Lewis Clark Credit Union 1626 17th St, Lewiston, ID 83501 +1 (208) 746 - 7233
Western Union Moneytree, 690 W Quinn Rd Ste C, Pocatello, ID 83202 +1 (208) 637 - 2274
Security Finance 2100 E Fairview Ave Suite 5, Meridian, ID 83642 +1 (208) 898 - 0904
Continental Loans 135 Thain Rd Space 3, Lewiston, ID 83501 +1 (208) 798 - 0862
Washington Trust Bank Drive-up Only 1601 E Seltice Way, Post Falls, ID 83854 +1 (208) 773 - 7921
Mountain West Bank - Meridian Residential Lending Center 1660 N Eagle Rd, Meridian, ID 83646 +1 (208) 855 - 9111
LendNation 101 E Seltice Way, Post Falls, ID 83854 +1 (208) 777 - 9644

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Tensed, ID, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Post Falls, ID, Payday Loans in Twin Falls, ID, Short-term Loans in Boise, ID, Payday Loans in Caldwell, ID, Payday Loans in Idaho Falls, ID, Payday Loan Without a Credit Check in Lewiston, ID, Payday Loans in Meridian, ID and Payday Loans in Nampa, 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 Tensed, ID.

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

83870

Are Payday Loans Legal In Tensed, 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

Tensed, ID payday loan calculator

Understanding Payday Loans in Tensed, Idaho

When faced with financial emergencies, many people consider taking out payday loans. These short-term loans are popular for their accessibility and quick approval process. However, before making any decision, it’s essential to understand the ins and outs of payday loans in Tensed, Idaho.

What are Payday Loans?

A payday loan is a short-term, high-interest loan that is usually due on the borrower’s next payday. The loans are typically small, ranging from $100 to $1000, and are meant to cover unexpected expenses or bridge the gap between paychecks.

When a borrower takes out a payday loan, they must provide the lender with a post-dated check or access to their bank account. The lender then deposits the loan proceeds into the borrower’s account and withdraws the loan amount plus fees on the due date.

Payday Loans in Tensed, Idaho

In Idaho, payday loans are legal, subject to certain restrictions set by the Idaho Department of Finance. The maximum loan amount is $1000, and the maximum term is 10 weeks. Lenders are also required to disclose all fees and interest rates to the borrower before the loan is approved.

  • Interest rates: Payday loan lenders in Idaho can charge up to 36% APR on loans of $1000 or less.
  • Fees: Lenders can charge a fee of up to $20 for every $100 borrowed, with a maximum fee of $75.
  • Rollovers: Idaho law allows lenders to renew a loan once, but only for a maximum of 60 days after the original loan’s due date.

Why Consider a Payday Loan?

Payday loans are popular because they offer quick cash to borrowers with bad credit or no credit history. Some people also prefer payday loans because they don’t require collateral, such as a car or a home.

However, payday loans can be costly and can trap borrowers in a cycle of debt. The high interest rates and fees can add up quickly, and borrowers who can’t repay the loan on time may face additional fees and penalties, including legal action.

Interesting Facts and Statistics

According to a 2020 report by the Idaho Department of Finance, there were 100 licensed payday lenders operating in Idaho, with over 200,000 loans made to consumers, totaling over $80 million in loan volume. The average loan amount was $376, with an average APR of 405%.

The same report also found that about 24% of borrowers took out payday loans to cover unexpected expenses, while 37% used them to cover regular expenses like rent or utilities.

Apply Now

If you’re considering a payday loan in Tensed, Idaho, TheGuaranteedLoans can help connect you with potential lenders. We offer an online application process that is simple and secure. Remember, we are a connector service, not a direct lender, and we will facilitate your application with potential lenders who can provide the loan that suits your needs.

To start your application, visit our website and complete our online form. Our team will review your information and connect you with lenders who can provide the funding you need. Apply now and get the cash you need to cover unexpected expenses or bridge the gap until your next paycheck.

F.A.Q.

How much can I borrow with a payday loan in Tensed, Idaho?

The maximum amount that can be borrowed with a payday loan in Tensed, Idaho is $1,000.

Are there any restrictions on how payday loan funds can be used in Tensed, Idaho?

Yes, payday loan funds in Tensed, Idaho can only be used for emergency expenses and cannot be used for luxury items or non-essential expenses.

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