Idaho Online Payday Loans

Man on his tablet in a coffee shop smiling. Moneytree offers a variety of loan products in select states Man on his tablet in a coffee shop smiling. Moneytree offers a variety of loan products in select states

“You guys rock! Thank
you - I'm sending my
co-workers here!”

Kevin H.
Garden City, ID

Borrow Up to $1,000 Today

How the Online Payday Loan Process Works

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Application

Apply online or at one of our local Branches. It's simple and secure.

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Approval

Once your loan verification documents are received, approval only takes minutes.

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Cash in Hand

You choose how to get your money: deposited to your bank, prepaid debit card or pick up in a Branch. It's that easy.

Payday loans are available up to $1,000.

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; and
  • The information in your consumer report provided by a consumer reporting agency.

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

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%.*

*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.

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 $1,759.52 which includes finance charges of $1,259.52 and is based upon you agreeing to make 25 payments of $67.74 due every two weeks and one final payment of $66.02 with an APR (Annual Percentage Rate) of 337.44%.* 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.

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.

A signature loan costs $22 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $122 and has an APR (Annual Percentage Rate) of 573.57%.*

*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.

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.

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.

A title loan costs $25 per $100 borrowed. For example, a $500 loan due in 30 days would cost $625 and has an APR (Annual Percentage Rate) of 304.17%.*

*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.

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 Month Loan Term - A $500 loan would cost $1,014.08 which includes finance charges of $514.08 and is based upon you agreeing to make 25 payments of $38.99 due every two weeks and one final payment of $39.33 with an APR (Annual Percentage Rate) of 159.76%.*

*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.

Moneytree 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 $16.50 per $100 $22 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

We never sell your information.

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Secure

We’re a family-owned business that’s served the community for over 35 years.

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Licensed

Moneytree is licensed by the Idaho Department of Finance. We're a direct lender and never sell your information.

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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 online payday loans? Call our Customer Service Team at 800-745-1011.

Click to View Sample Loan Fees

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

Online Payments

Loans scheduled to be paid by ACH or post-dated check: payments can be made online at moneytreeinc.com/payments on or before 1 PM PST on the payment due date using your debit card or checking account.

Loans scheduled to be paid in cash: payments can be made online on or before 11 PM PST.

Telephone Payments

Loans scheduled to be paid by ACH or post-dated check: call Customer Service at 1-800-745-1011 before 2 PM PST on or before 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 PST on or before 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.

For a payday loan or signature loan, in certain cases, you may renew your loan by paying the additional fee to extend the loan due date until your next payday. Payday loans may be renewed at any time before your loan check is sent to the bank or your electronic transaction is deposited. If you contracted for cash payments, you may extend the term of your loan by paying the additional fee at any time prior to the close of business on the loan due date. You may renew your loan a maximum of three (3) times. After three renewals, the loan must be paid in full.

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.

A title loan cannot be refinanced.

Payment options vary depending on your loan agreement.

Payday Loan

  • Write a post-dated check at loan origination for repayment. Your paper check will be turned into an electronic check for presentation to your bank. If you wish, you can opt to have your paper check physically deposited rather than electronically presented.
  • Repay your loan in full, in cash, or using your debit card, before the deposit time on the due date in any Moneytree Branch.
  • Repay your loan in full online using your debit card or your checking account information.
  • Repay your loan in full over the phone using your debit card.

Signature Loan

  • Repay your loan in full, in cash, before the end of business on the due date in any Moneytree Branch.
  • If you have a checking account, repay your loan in full online using your debit card or checking account information.
  • Repay your loan in full over the phone using your debit card.

Installment Loan

  • You may authorize ACH debit payments or set up post-dated check 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 or your checking account information.
  • Make your loan payment over the phone using your debit card.

Signature Installment Loan

  • Make your loan payment in cash, or using your debit card, before the end of business on the due date in any Moneytree Branch.
  • If you have a checking account, make your loan payment online using your debit card or checking account information.
  • Make your loan payment over the phone using your debit card.

Auto Equity Loan & Title Loan

  • You may authorize ACH debit payments or set up cash payments at loan origination.
  • If you choose ACH payments, you may make your loan payment in cash, or using your debit card, before the deposit time on the due date in any Moneytree Branch.
  • If you choose cash payments you may make your loan payment in cash, or using your debit card, before the end of business on the due date in any Moneytree Branch.
  • Make your loan payment online using your debit card or your checking account information.
  • Make your loan payment over the phone using your debit card.

Your loan will be due on the date set forth in the loan agreement.

Payday Loan

If your next payday is within 9 days from the date you take out the loan, you can repay on the following payday.

Installment Loan

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.

Title Loan

The due date is 30 days from the date you take out the loan.

If you are unable to pay your loan when it is due, Moneytree offers a payment plan for payday loans and signature loans. You must request a payment plan before the deposit time on the day your loan is due to restructure the payment terms to at least four (4) substantially equal payments for at least 60 days. There is no charge to enter into the payment plan. You can obtain additional details by contacting Customer Service at 1-800-745-1011 or by visiting a Branch.

Payday Loan

If your check or ACH returns unpaid, you will be charged a one-time $20 fee.

Signature Loan

There is a ten (10) day grace period after the due date during which your loan may be repaid in full at no additional cost. If the loan remains unpaid at the end of the grace period, you will be charged $12.50 or 5% of the amount of the loan, whichever is greater.

Installment & Signature Installment Loan

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.

Title Loan

We have the option to repossess the car used as collateral for the loan if the loan payments are not made per the terms of the loan agreement.

Auto Equity Loan

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.

Moneytree is the best provider of payday loans and other financial services. Whether you apply online or in a Branch, a Moneytree payday loan is fast, simple and secure.

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

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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 Business Oversight pursuant to the California Deferred Deposit Transaction Law to make consumer loans. Licensed by the Department of Business Oversight pursuant to the California Finance Lenders Law to make business loans. Loans made or arranged pursuant to a California Financing Law license.

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 $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%.*

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

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.

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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.