Idaho Online Payday Loans

Blue car zooming past a bank, on a yellow background.Blue car zooming past a bank, on a yellow background.

Instant Funding - Your Money.
In Your Account.
Right Now.

Instant Funding - Your Money.
In Your Account.
Right Now.

Instant Funding - Your Money.
In Your Account.
Right Now.

If Approved, Borrow Up to $1,0001

How the Online Payday Loan Process Works

A laptop.

Application

Apply online using our secure application process.

An arrow pointing up in front of a piece of paper.

Upload

Upload your documents in seconds to complete your application.

A circle with a checkmark through it.

Approval

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

An open hand with dollar bills floating above it.

Receive Your Funds

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

Payday Loans are available up to $1,0001

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 Up to $1,0001

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%.*

1Subject to qualifications and limitations.

*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 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

A latop with a padlock in front of it.

Secure

Moneytree is a direct lender and never sells your information.

A piece of paper with an official ribbon on it.

Licensed

We're licensed by the Idaho Department of Finance.

A stopwatch.

Fast

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

Two hands cupping a heart.

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 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.

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).

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.

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

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.

You may be able to renew your payday loan or signature loan by paying the additional fee to extend the loan due date until your next payday. Renewals may not be available and/or may not be available on the same terms as your original loan or another renewal loan. Renewals must be processed before your loan check is sent to the bank or your electronic transfer is deposited. If you contracted for cash payments, you must pay the additional fee 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.

Title loans cannot be refinanced.

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.

  • Write a post-dated check at loan origination or repayment.
  • 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.
  • Repay your loan in full over the phone using your debit card.

If you are unable to pay your loan when it is due, Moneytree offers a payment plan for payday loans and single-payment 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. 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.

If your check or ACH returns unpaid, you will be charged a one-time $20 fee. You can reach Moneytree's Payment Center at 1-888-516-6643 for more information.