Idaho Installment Loans

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With Instant Funding you can deposit your loan funds into your debit card account in a snap.

With Instant Funding you can deposit your loan funds into your debit card account in a snap.
Borrow Up to $5,000 Today
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How the Installment Loan Process Works

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Application

Apply at one of
our local Branches.

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Approval

Once your loan verification documents are reviewed, approval takes minutes.

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In-Branch Funds

Choose cash or instant funding to your debit card account.

Installment Loans are available from $100 to $5,000.

You can borrow any amount up to your loan limit. Your loan limit will be established based on:

  • Your income
  • The information you provide on your loan application
  • Your credit history with Moneytree
  • The information in your consumer report provided by a consumer reporting agency

Your loan limit may change if any of the above changes.

Loans Range from $100 - $5,000

The amount of payments will vary based on the loan amount, the number of payments and the length of the loan. Using a $500 loan with biweekly payments and a 5% origination fee as an example:

12 Month1 Loan Term

A $500 loan would cost $1,471.54 which includes finance charges of $971.54 and is based upon you agreeing to make 25 payments of $56.59 due every two weeks and one final payment of $56.79 with an APR (Annual Percentage Rate) of 272.17%.* These calculations include the uniform daily fee plus a 5% origination fee, which is fully earned at origination but does not accrue interest and is paid by your regularly scheduled payments.

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1 Installment Loans are available with a 12-month loan term. Once approved, you may choose to borrow a lesser amount for a shorter term.

* The Annual Percentage Rate ("APR") is the cost of your loan expressed as a yearly rate. The actual APR for your loan may be higher or lower than this example, depending on the actual amount you borrow and your actual repayment schedule.

Moneytree Idaho Consumer Loan Comparison Chart

  PAYDAY LOAN SIGNATURE LOAN TITLE LOAN AUTO EQUITY LOAN INSTALLMENT LOAN SIGNATURE INSTALLMENT LOAN
Loan Amount $1 - $1,000 $1 - $1,000 $1 - $500 up to $25,000 ** $100 - $5,000 $50 - $2,000
Cost $18.50 per $100 * $24
per $100 *		 $25 per $100 * Daily Simple Interest 0.44% * Daily Simple Interest 0.712% * Daily Simple Interest
0.89% *
Terms Available Next payday Next payday 30 days 12 months 12 months1 12 months1
No. of Payments 1 1 1 1 per payday 1 per payday 1 per payday
Renewal or Refinance Option? Yes Yes No Yes Yes Yes

1Installment Loans are available with a 12-month loan term. Once approved, you may choose to borrow a lesser amount for a shorter term.

*The Annual Percentage Rate (“APR”) is the cost of your loan expressed as a yearly rate. The actual APR for your loan may be higher or lower, depending on the actual amount you borrow and your actual repayment schedule.

** Your loan limit is based on the combination of the value of your vehicle, the information from the loan application and your gross monthly income.

  • ID and social security number (or alien registration number or ITIN)
  • Physical address & contact phone number
  • Documents to verify the source and amount of your income
  • Open checking account information

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Secure

Moneytree is a direct lender and never sells your information.

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Licensed

We're licensed by the Idaho Department of Finance.

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Fast

Our Team will let you know in minutes how much you qualify to borrow.

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Service

Our Mission is to exceed your expectations. Visit a Branch today and learn more from one of our knowledgeable and friendly Tellers!

Questions about installment loans? Call our Customer Service Team at 1-800-745-1011.

Click to View Sample Loan Fees

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Due to limitations imposed by the Military Lending Act, Moneytree does not make loans to "covered borrowers," a term which includes active duty members of the military, their spouses and dependents. Learn More.

Idaho FAQs

Moneytree, Inc., is licensed by the Idaho Department of Finance. Licensing information is available upon request. Moneytree is registered with the federal government as a Money Services Business (MSB).

Your loan will be due on the date set forth in the loan agreement. Payment due dates are based on your pay schedule with payments due on each payday (or next calendar day) throughout the term of the loan.

Online Payments

  • Online payments may be made at moneytreeinc.com/payments before 2:45 PM PT on the loan payment due date using your debit card.

Telephone Payments

  • Loans scheduled to be paid by ACH, debit cards or post-dated check: Call Customer Service at 1-800-745-1011 before 2 PM PT on the payment due date to make a telephone payment using your debit card.
  • Loans scheduled to be paid in cash: Call Customer Service at 1-800-745-1011 before 11 PM PT on the payment due date to make a telephone payment using your debit card.

You can prepay your loan in full prior to the due date with no prepayment penalty.

Installment loans may be refinanced up to six (6) times, after which time the loan must be repaid in full before additional credit may be extended.

To verify or change your payment due date, please log in to your Moneytree online account. If you don’t have an online account, and wish to set one up, please register online, call or visit any Moneytree Branch or contact our Customer Service Team at 1-800-745-1011.

Payment options vary depending on your loan agreement.

  • You may authorize ACH debit payments, debit card payments or set up cash payments at loan origination.
  • Make your loan payment in cash, or using your debit card, before the deposit time on the due date in any Moneytree Branch.
  • Make your loan payment online using your debit card.
  • Make your loan payment over the phone using your debit card.

There is a ten (10) day grace period after the payment due date during which your loan payment may be paid in full at no additional cost. If the loan payment remains unpaid at the end of the grace period you will be charged $10 or 5% of the amount of the outstanding payment, whichever is greater.

You can reach Moneytree's Payment Center at 1-888-516-6643 for more information.

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Online loans not available in all states. For the complete list of available loans, rates and terms, click the page for your state of residence:

California: A payday loan costs approximately $17.65 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment amount of $117.65 and has an APR (Annual Percentage Rate) of 460.16%.* Moneytree, Inc., is licensed by the Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law to make consumer loans.

Colorado: The amount of payments will vary based on the loan amount, the number of payments and the length of the loan. Using a $500 loan with a 10% acquisition charge and a 98-day loan term as an example: A $500 loan would cost $595 which includes finance charges of $95, consisting of the acquisition charge and three installment account handling charges, and is based upon you agreeing to make seven payments of $85 due every two weeks, with an APR (Annual Percentage Rate) of 118.25%.*

Idaho: A payday loan costs $18.50 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $118.50 and has an APR (Annual Percentage Rate) of 482.32%.*

Nevada: A payday loan costs $16.50 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $116.50 and has an APR (Annual Percentage Rate) of 430.18%.*

Washington: A payday loan costs $15 per $100 borrowed up to $500, and $10 per $100 on the amount over $500. For example, a $100 loan due in 14 days would have a total repayment amount of $115 and has an APR (Annual Percentage Rate) of 391.07%.*

Customer Notices:
Payday Loans, High-Interest loans and Title Loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

To view our Privacy Policy, please visit our Privacy Policy page.

For Customer Service, please contact us at 1-800-745-1011.

*The Annual Percentage Rate ("APR") is the cost of your loan expressed as a yearly rate. The actual APR for your loan may be higher or lower, depending on the actual amount you borrow and your actual repayment schedule.

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