Idaho Online Loan Rates and Fees

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Rates and Fees

Idaho Payday Loans

Rates and Terms for Idaho

Loan Amounts:	The maximum loan amount for Idaho residents is $1000.00 plus allowable fees. Based on your income and other factors, loan limits will be determined on an individual basis.
Term of Loan:	Minimum Days 8 - Maximum Days 36
Permitted Fees:	$22.50 per $100.00 borrowed. The Annual Percentage Rate ("APR") will vary depending on the length of your loan (see table below). Please see your loan agreement for the APR and other terms applicable to your loan.
Renewal:	If you do not wish to repay your loan on the due date you may renew your payday loan until your next payday. You have the option of extending your payday loan a maximum of 3 consecutive times, after which the payday loan must be paid in full. For each renewal, we shall terminate the Loan Agreement and sign a new agreement. We will charge twenty two and a half percent (22.5 percent) of the Amount Financed to renew the payday loan. You may request a renewal by calling our toll free customer service line or by using the "Extend" option available through our website when you login to your account. You may request these changes by logging into your online account and or by calling a customer service representative. Extension requests must be received by 7:00 PM Mountain Time on the business day before your loan is due.

Additional Information:

Your Right to Rescind (cancel) this loan - A borrower has the right to rescind the payday loan on or before the close of the next business day following the loan transaction.

Idaho Notices:
(a) A payday loan is intended to address short-term, not long-term, financial needs.
(b) The borrower will be required to pay additional fees if the payday loan is renewed rather than paid in full when due.
(c) The borrower has the right to rescind the payday loan, at no cost, no later than the end of the next business day following the day on which the payday loan is made.

Example APR and Fee Schedule:

The table below shows the Annual Percentage Rate ("APR %") and Fees Charged for loan amounts ranging from $100 to $1,000 and loan terms ranging from 7 to 31 days in length.

Amount Borrowed	Fees Charged	Amount Due	Days	APR%	Days	APR%	Days	APR%
$100.00	$22.50	$122.50	7	1173.21%	14	586.61%	31	264.92%
$150.00	$33.75	$183.75	7	1173.21%	14	586.61%	31	264.92%
$200.00	$45.00	$245.00	7	1173.21%	14	586.61%	31	264.92%
$250.00	$56.25	$306.25	7	1173.21%	14	586.61%	31	264.92%
$300.00	$67.50	$367.50	7	1173.21%	14	586.61%	31	264.92%
$350.00	$78.75	$428.75	7	1173.21%	14	586.61%	31	264.92%
$400.00	$90.00	$490.00	7	1173.21%	14	586.61%	31	264.92%
$450.00	$101.25	$551.25	7	1173.21%	14	586.61%	31	264.92%
$500.00	$112.50	$612.50	7	1173.21%	14	586.61%	31	264.92%
$550.00	$123.75	$673.75	7	1173.21%	14	586.61%	31	264.92%
$600.00	$135.00	$735.00	7	1173.21%	14	586.61%	31	264.92%
$650.00	$146.25	$796.25	7	1173.21%	14	586.61%	31	264.92%
$700.00	$157.50	$857.50	7	1173.21%	14	586.61%	31	264.92%
$750.00	$168.75	$918.75	7	1173.21%	14	586.61%	31	264.92%
$800.00	$180.00	$980.00	7	1173.21%	14	586.61%	31	264.92%
$850.00	$191.25	$1,041.25	7	1173.21%	14	586.61%	31	264.92%
$900.00	$202.50	$1,102.50	7	1173.21%	14	586.61%	31	264.92%
$950.00	$213.75	$1,163.75	7	1173.21%	14	586.61%	31	264.92%
$1,000.00	$225.00	$1,225.00	7	1173.21%	14	586.61%	31	264.92%

Finance Charge $22.50 per $100.00 borrowed.

Please see your loan agreement for the APR and other terms applicable to your loan.

Loan License and Registration:

We are licensed and regulated by 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

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Payday Loans are also commonly referred to as Cash Advance, Payday Advances, Payday Advance Loans and Fast Cash Loans

Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process. Additionally:

*Actual loan amounts vary. See State Center for specific information and requirements.

***Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Check City provides loan services in: Alabama, California, Hawaii, Idaho, Illinois, Indiana, Kansas, Michigan, Missouri, Nevada, New Mexico, North Dakota, South Dakota, Texas, Utah, Wisconsin, and Wyoming.

Check City acts as a credit services organization/credit access business (CSO/CAB) in Texas and is not the lender – loans there are made by a third-party lender.

*Loan proceeds issued through our website are generally deposited via ACH for delivery next business day if approved by 8pm CT Mon. – Thu. or by 8pm Saturday.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.

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This is an invitation to send a loan application, not an offer to make a short term loan. This service does not constitute an
offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia.