Payday loan laws in Idaho

  • Status: Legal (Idaho Code §§ 28-46-401 et seq.)
For Lenders

Lending specifications:

  • Maximum loan amount: $1000
  • Loan tenure: NA
  • Fees and finance charges: NA
  • Finance charge on a 14-day $100 loan: $17.50
  • APR on 14-day $100 loan: No limit

Collection restrictions:

  • Collection fees: $20 NSF fee
  • Criminal procedures: Prohibited
For Borrowers

Debt limits:

  • Maximum no. of outstanding loans at a time: Not Specified
  • Rollovers allowed: Three (Renewals)

Complaint cell:

  • Regulator: Idaho Department of Finance
  • Address: Consumer Finance Bureau, 800 Park Blvd., Suite 200, Boise ID 83712
  • Phone: (208) 332-8000
  • Toll-Free (Within Idaho Only): 1-888-346-3378
  • Regulatory contact: Mike Larsen, Consumer Finance Bureau Chief
  • Website: http://finance.idaho.gov/
  • File complaint: http://finance.idaho.gov/Complaint.aspx


Last Updated on: 15 Nov 2017

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