Payday Loans in Winchester, Idaho

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No payday loan companies in Winchester, 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
Minuteman Cash 209 Idaho St, American Falls, ID 83211 +1 (208) 226 - 2322
Ridgeline Financial Inc 3116 Garrity Blvd 126, Nampa, ID 83687 +1 (208) 466 - 3192
Quik Cash 227 W Main St, Grangeville, ID 83530 +1 (208) 983 - 1079
Karye Rae Fairway Independent Mortgage Corporation Loan Officer 3959 E Overland Rd, Meridian, ID 83642 +1 (208) 957 - 7325
Cash Store 7476 W State St, Boise, ID 83714 +1 (208) 853 - 7555
Umpqua Bank 1595 S Eagle Rd, Meridian, ID 83642 +1 (208) 888 - 2135
Pawn 1 1580 Yellowstone Ave, Pocatello, ID 83201 +1 (208) 237 - 3929
Idaho Title Loans, Inc. 1725 E 17th St, Idaho Falls, ID 83404 +1 (208) 524 - 5680
Quik Cash 1259 E 17th St, Idaho Falls, ID 83404 +1 (208) 523 - 6666

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Winchester, ID, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Nampa, ID, No Credit Check Loans in Pocatello, ID, Payday Loans in Post Falls, ID, Bad Credit Loans in Twin Falls, ID, Online Loans in Boise, ID, Bad Credit Loans in Caldwell, ID, Payday Loans in Idaho Falls, ID and Payday Loans in Lewiston, 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 Winchester, ID.

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

83555

Are Payday Loans Legal In Winchester, 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

Winchester, ID payday loan calculator

Advise to read before applying

Payday Loans in Winchester, Idaho: What You Need to Know

When unexpected expenses arise, many people turn to payday loans as a quick solution. While these loans can provide much-needed relief, it’s important to understand the risks and benefits of taking out a payday loan in Winchester, Idaho.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are designed to be a quick way to get cash when unexpected expenses arise, such as medical bills or car repairs.

  • Payday loans are legal in Idaho
  • Idaho allows up to $1000 for payday loans
  • The maximum loan term is 31 days
  • The maximum finance charge for a $100 loan for 14 days is $20. Payday lenders are also allowed to charge up to $5 for verification fees.

The Pros and Cons of Payday Loans

Like any financial product, payday loans have both advantages and disadvantages. Here are some of the pros and cons to consider before taking out a payday loan in Winchester, Idaho:

Pros:

  • Quick access to cash when it’s needed the most.
  • No credit check required
  • Borrowers with bad credit or no credit history can still be approved for a payday loan.

Cons:

  • High interest rates and fees.
  • Payday loans can trap borrowers in cycles of debt.
  • Payday loans can have a negative impact on credit scores.

How to Apply for a Payday Loan with TheGuaranteedLoans

If you decide that a payday loan is the right choice for you, TheGuaranteedLoans can help you find a lender. We are not a direct lender, but we do connect borrowers with potential lenders. Here’s how to apply:

  1. Visit our website and fill out our simple online application.
  2. Once we receive your application, we’ll review it and attempt to match you with a lender who can meet your needs.
  3. If we successfully match you with a lender, you’ll be redirected to their website to complete the loan application and receive your funds.

Please note that we cannot guarantee that you will be matched with a lender. We do our best to match borrowers with potential lenders, but the final decision is up to the lender.

Interesting Facts and Statistics about Payday Loans in Winchester, Idaho

  • According to the Idaho Department of Finance, the average payday loan in Idaho is $346, and the average finance charge is $58.
  • In a 2016 survey, over 75% of borrowers reported taking out a payday loan due to unexpected expenses like car repairs or medical bills.
  • Idaho is one of 27 states that allows payday lending. While the loans are legal, there are some regulations in place to protect borrowers from predatory lending practices.

Conclusion

Payday loans can be a helpful resource when unexpected expenses arise, but they should be used with caution. If you decide to take out a payday loan in Winchester, Idaho, make sure you understand the risks and benefits, and only borrow what you can afford to pay back.

Apply Now

If you’re in need of a payday loan, TheGuaranteedLoans can help you find a lender. Our simple application process takes just a few minutes to complete, and we can connect you with lenders who may be able to meet your needs. Please note that we are not a direct lender, and we cannot guarantee that you will be matched with a lender. However, we do our best to match borrowers with potential lenders. Apply now and get the cash you need to take care of your unexpected expenses!

F.A.Q.

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

No, to get a payday loan in Winchester, 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 Winchester, Idaho?

in Winchester, 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.

Accessibility: This platform's services may not be available to residents of certain states due to local regulations. To determine whether you can access this service, please review your area's legal guidelines. Additionally, be advised that the terms and conditions of this website can be altered at any time without prior notice.

Important Notice: TheGuaranteedloans.com is not a loan company and for that reason cannot determine whether or not you're eventually permitted for any advance, neither can we establish the sum of loan you might be provided. Every lending options, purchasing services and products are offered without having guarantee. When searching for deals, remember to evaluate the budgetary institution’s Terms and Conditions.

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