Idaho Payday Loans

Loans up to $1,000

What is a payday loan and how does it work?

Payday loans are short-term loans designed to help you pay for immediate expenses. The loan balance is due in full on your next payday.

If you need quick cash1 and you have a steady source of income, a payday loan could be an option for you. ACE does not require traditional credit checks. Payday loans can help you cover overdue utility bills, unexpected car repairs, and other emergency expenses.

To apply for a payday loan online, all you need to do is fill out a simple online application and sign a few forms online. This easy process only takes minutes. If you are approved, you could have money deposited into your bank account the next business day.2 On your next payday your account will be automatically debited for the amount you owe.

Are payday loans available in my state? How much can I borrow?

Payday loans are available online in Idaho and range from $100 - $1,000. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.

What do I need to apply for a payday loan?

  • You do not have to be employed, but you must have a steady source of recurring income payments to ensure you will be able to repay your loan.
  • You must provide a valid Social Security Number or Individual Taxpayer Identification Number.
  • You must have a checking or savings account that has been open for at least one month.
  • You must reside in the state you choose for your loan application.
  • You must be able to be contacted via phone if verification of application information is necessary.
  • You must be at least 18 years old.
  • You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
  • You must not be a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer or a dependent of a member of the Armed Forces on active duty.

When will I receive my funds?

If approved by 6:00 PM Central Time on Monday – Friday for weekday applications, and by 2:00 PM Central Time on Sunday for weekend applications, you will generally receive the money the next business day.2

For verification purposes, we may need to contact you by telephone before your loan is approved. Applications received on a weekend or holiday may be verified the next business day due to bank closures.

When will the loan be due?

Your payday loan will be due on your next payday (loan duration is state-specific). You will be informed of the due date if your loan is approved.

How and when can I pay back?

The amount you owe will be debited from your bank account on the day your loan is due. You can also make payments online.

Can I extend or refinance my payday loan?

In Idaho you may be able to refinance your loan up to three times (subject to approval). Click on the FAQs to find out more about the refinance process. You may also be eligible for a payment plan. Call us at (866) 355-6815 to discuss payment plan options.

What if I change my mind?

Every loan comes with a 72-hour satisfaction guarantee. So if you change your mind about your loan, just return the principal within 72 hours and pay nothing more. 

In Ohio and Virginia, you have until 5:00 PM Central Time on the third business day after receiving your funds to cancel your loan. For example, if you take out a loan on Monday, you have until 5:00 PM Central Time on Thursday to cancel your loan.