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Idaho Cash Lenders
Idaho Payday Loan Laws & Legislation State Information
Idaho Payday loan laws. Idaho Payday loan legislation. Idaho has specific payday advance laws.
The maximum term of a payday loan is 30 days. Maximum amount of a cash advance is $1000.
Legal Status: Legal
Citation:
Idaho Code Ann. ยง 28-46-401 et seq.
Loan Terms:
Maximum Loan Amount: $1000
Loan Term: Not Specified
Maximum Finance Rate and Fees: Not Specified
Finance Charge for 14-day $100 loan:
APR for 14-day $100 loan: No Limit
Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified ($1000 aggregate loans outstanding to all licensees)
Rollovers Permitted: Three (renewals)
Cooling-off Period:
Repayment Plan:
Collection Limits:
Collection Fees: $20 NSF fee + 12% interest per annum on unpaid amount (if disclosed )
Criminal Action: Prohibited
Regulator: Idaho Department of Finance
Address: Consumer Credit Section, 700 West State Street, 2nd Floor Boise ID 83702
Phone: (208) 332-8000
Fax: (208) 332-8099
Regulatory Contact: Mike Larsen,, Consumer Finance Bureau Chief
Regulator Website