Nampa, ID · West · Allowed
Payday loans in Nampa
Nampa 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 Nampa
91,382 residents · Canyon County Median household income is $40,060 — below the Idaho median of $46,337.
10 storefront locations of 9 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 | 183 E Maine Ave, 83686 | (208) 442-9100 | Mon 10:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1850 Caldwell Blvd Ste 150, 83651 | (208) 466-1842 | Mon 10:00 AM - 6:00 PM · hours vary |
| Continental Loans Installment Loans | 361 Caldwell Blvd, 83651 | (208) 461-3170 | Mon 9:00 AM - 5:00 PM · hours vary |
| Ideal Lending Title Loans, Installment Loans | 104 W Washington Ave, 83686 | (208) 463-1188 | Mon 10:00 AM - 6:00 PM · hours vary |
| Moneytree Check Cashing/Pay-day Loans, Installment Loans | 817 Caldwell Blvd, 83651 | (208) 465-6669 | Mon 8:00 AM - 9:00 PM · hours vary |
| Murdoch Finance Installment Loans | 122 1/2 12th Ave S, 83651 | (208) 615-5599 | Mon–Fri 9:00 AM - 5:30 PM · Sat–Sun Closed |
| Pacifica Lending Business Financing, Installment Loans, Check Cashing/Pay-day Loans | Nampa, 83651 | (208) 268-5225 | Hours not listed |
| United Finance Company Installment Loans, Auto Loan Providers | 1615 N Park Centre Pl, 83651 | (208) 466-7558 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Xpress Cash - Nampa Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 180 Caldwell Blvd, 83651 | (208) 466-9066 | Mon 9:00 AM - 6:00 PM · hours vary |
| IJLfinancial, Inc. Auto Loan Providers | 907 Caldwell Blvd, 83651 | (208) 649-4282 | Mon–Fri 9:30 AM - 6:00 PM · Sat–Sun Closed |
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 Nampa
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 Nampa 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 Nampa
Are payday loans legal in Nampa, ID?
Yes. Storefront payday lending is permitted across Idaho, and Nampa 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 Nampa?
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 Nampa?
10 storefronts are listed in Nampa in our 2022-02-20 directory snapshot (9 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Nampa?
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.