Idaho Falls, ID · West · Allowed
Payday loans in Idaho Falls
Idaho Falls is governed by Idaho's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Idaho. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Idaho Falls
60,211 residents · Bonneville County Median household income is $44,580 — below the Idaho median of $46,337.
3 storefront locations of 3 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 589 E 17th St, 83404 | (208) 528-8400 | Mon 10:00 AM - 6:00 PM · hours vary |
| Continental Loans Installment Loans | 270 S Woodruff Ave, 83401 | (208) 542-9467 | Mon 9:00 AM - 5:00 PM · hours vary |
| Quick Loan Center Installment Loans, Notaries, Check Cashing/Pay-day Loans | 1772 N Woodruff, 83401 | (208) 523-0655 | Mon 9:00 AM - 5:30 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Idaho page before visiting. Spot an error? Report it.
The online route in Idaho Falls
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Idaho follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Idaho regulator.
The rules behind the numbers
Payday loans are high-cost credit transactions intended for immediate cash needs and not as solutions for long-term financial problems.
In practice: borrow $300 for a standard term and the finance charge is $60 — $360 repaid at the end, about 521% APR. Every compliant lender in Idaho Falls has to fit inside that schedule.
Statute: Idaho Code § 28-46-401 et seq.
Regulator: Idaho Department of Finance · finance.idaho.gov
Questions people ask in Idaho Falls
Are payday loans legal in Idaho Falls, ID?
Yes. Storefront payday lending is permitted across Idaho, and Idaho Falls runs under the same state rules: maximum loan 1 loan at a time, fees capped at No fee cap (set by contract). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Idaho Falls?
The same as anywhere in Idaho: state law sets the schedule. On a typical $300 loan the finance charge is about $60 — $360 repaid at the end of the standard term.
Which lenders have stores in Idaho Falls?
3 storefronts are listed in Idaho Falls in our 2022-02-20 directory snapshot (3 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Idaho Falls?
Complaints about a lender go to the Idaho Department of Finance (finance.idaho.gov) — keep the loan agreement and every fee disclosure you were given.