Online Payday Loans in Idaho

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An unexpected expense can really throw your finances off track. You could find yourself needing a cash advance on your next paycheck just to cover the costs. While this situation is not ideal, the good news is that you do have options!

Many people resort to short-term, high-interest loans like payday loans, for a cash advance – but these loans come with a catch. You should consider every alternative available to make the best decision for your financial future.

Options for Payday Loans in Idaho

Payday loans are legal in Idaho – but the terms of payday lending in Idaho are very relaxed. Lenders have the freedom to charge you whatever interest rates and fees they want – making these loans very expensive. The state of Idaho does not recommend borrowers seek out these loans unless they have exhausted other options. Here is what you can expect from a payday loan.


While there is no credit score requirement to apply for a payday loan in Idaho, you will have to provide valid identification, your Social Security number, proof of income, and your bank account information. 

Credit Affects

Payday lenders will not typically look into your credit report. You can qualify for payday loans even if you have poor or no credit. However, failing to make payments on time will harm your credit score.


There is no restriction on how many payday loans you can have at a time or how often you can get one – as long as the total sum of all your payday loans is not more than $1000.

Max Loan Amount

The state of Idaho will not allow you to borrow more than $1000 or 25% of your income in payday loans.


You will be charged fees if you fall behind on your loan or are unable to pay it in full. This will negatively impact your credit score – making it more difficult for you to secure a traditional loan in the future.

Payday Loan Alternatives in Idaho 

Payday loans are some of the most predatory lending options available. The high-interest rates associated with these loans often leave borrowers worse off financially. Don’t fall into the trap! Consider these alternatives that are safer and more affordable. Your financial future will thank you.


Instacash is a zero-interest, short-term cash advance from MoneyLion. Instacash allows you to get up to $250 in cash advances into your bank account instantly. You can access it anywhere and anytime through the MoneyLion app.

You can borrow as many times as you need. You won’t have to worry about how borrowing might impact your credit score because Instacash will never open a hard inquiry on your credit report and doesn’t report to credit bureaus.

The best part? There is no interest rate or no credit checks. This is a major upgrade from payday loans that can charge upwards of 652% APR.

Instacash is available with no monthly fee. You can read more about Instacash here.

Credit Builder Loans

If you have poor credit or no credit, it may be difficult for you to secure a loan, rent an apartment, or even buy a car. The best thing you can do is take out a small, low-interest loan and make consistent, on-time payments over time. Credit Builder Plus allows you to do just that with a loan up to $1000.

MoneyLion reports all your monthly payments to credit bureaus – so as long as you are keeping up to date on your payments, your credit score likely will go up. In fact, more than half our members raised their score by up to 27 points within 60 days!

There’s a better way to get cash

We get it. Financial emergencies happen – and we don’t believe you should be penalized for it! Payday lenders will try to take advantage of your situation to charge high fees and leave you worse off.

MoneyLion wants to help. Whether you need a zero-interest cash advance instantly or want to build up your credit, MoneyLion is a safer and more convenient alternative to payday loans.  

Opening an account with MoneyLion also brings access to services and tools that will improve your overall financial outlook – from investing to 24/7 fraud protection. A financial setback doesn’t have to setback your entire financial future. Take control with MoneyLion.

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Get cash fast, pay no interest

Enjoy Instacash advances up to $250. No credit check, no monthly fee, no interest. Just cash.

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