Idaho Installment Loans

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If Approved, Borrow Up to $5,0001

Hi! I'm Bob the Moneytree Caterpillar and I have great news!

Other lenders make more of their money from your early payments. But Moneytree applies your payments consistently to principal from the very start. So, if you pay your loan off early, you pay less!

With a Moneytree Idaho Installment Loan, there are no application or prepayment fees and we can fund your loan directly to your qualified debit card account.

Need cash? Apply for a Moneytree installment loan for a principled difference.

Moneytree Installment Loans

Pay Off Early and Save!

Comparison Chart of Installment loans vs Moneytree Installment loans.

*The example displayed in this chart is based on a hypothetical $1,000.00 loan with a 12-month term with payments scheduled to be made once a month. The “Amount Saved'" is what you could expect to save in finance charges if your Moneytree Installment Loan is paid in full before the maturity date and on exactly the corresponding payment date, as compared to other loans utilizing a standard amortization schedule that front-loads early payments more heavily to interest. Terms, finance charges, and amortization schedules may vary by lender. The chart above is for illustrative and general informational purposes only. It is not intended as a substitute for professional advice, and you should consider consulting with your own qualified professional advisor before making any decisions.

Example: 12-Month Loan Term – A $1,000 loan would cost $2,980.48 which includes finance charges of $1,980.48 and is based upon you agreeing to make 11 payments of $248.39 due each month and one final payment of $248.19 with an APR (Annual Percentage Rate) of 272.48%.**

**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.

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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Receive Your Funds

If approved, your funding options include: Cash in-branch or instant funding to your debit card account.

Installment Loans are available from $100 to $5,0001

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

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

Your loan limit may change based on the loan product applied for, your credit history with Moneytree or a change in any of the above.

1Subject to qualifications and limitations.

Loans Range from $100 - $5,0001

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 as an example:

12 Month2 Loan Term

A $500 loan would cost $1,474.12, which includes finance charges of $974.12 and is based upon you agreeing to make 25 payments of $56.68 and one final payment of $57.12 with an APR (Annual Percentage Rate) of 272.72%.*

1Subject to qualifications and limitations.

2 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 0.75% * Daily Simple Interest
1% *
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.

  • 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 and to verify your ability to repay
  • 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

1Subject to qualifications and limitations.

Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances funds are transferred in approx. 30-45 minutes, but can take longer. Moneytree is not responsible for bank, processor and other third party posting delays or errors.

Moneytree does not make loans to “covered borrowers,” as defined under the Military Lending Act. Learn More.

CUSTOMER NOTICE: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

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).

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

  • Your income
  • The information you provide on your loan application
  • The information in your consumer report provided by a consumer reporting agency
  • The value of your collateral (secured loans only)

Your loan limit may change based on the loan product applied for, your credit history with Moneytree or a change in any of the above.

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

Telephone Payments

  • Telephone payments may be made by calling Moneytree Customer Service at 1-800-745-1011.

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

Installment loans and auto equity 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 payment(s), debit card payment(s), or set up post-dated check(s) to repay your loan at loan origination.
  • You may make your loan payment(s) in any Moneytree branch using cash or your debit card.
  • You may make your loan payment(s) online or 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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P.O. Box 58443, Seattle, WA 98138