Online Installment Loans in Boise

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Online Installment Loans in Boise

Have you ever been short on money when facing an unexpected emergency? If so, MoneyKey may be able to help! We offer personal Installment Loans in Boise and throughout Idaho between $200 and $2,000. You can pay off this personal Installment Loan in approximately 12 months.

The application for an Installment Loan in Boise is simple, and it only takes a few minutes to complete. If you’re approved, you may have the cash you need in your bank account the same business day*.

Details of Our Installment Loans in Boise, ID

Boise is the state capital of Idaho and has an estimated population of 234,576 people. The city has been one of the fastest-growing places in the U.S., growing at a rate of 1.25% per year1.

With its population growth, Boise is experiencing a rise of its cost of housing, with home prices being increased by 14.5% in just one year2.

With all the fast-paced growth happening in Boise and the rise of the cost of housing, you may have a harder time dealing with emergency expenses, especially if you don’t have enough in your savings. Perhaps you have to deal with home repairs you hadn’t budgeted for, or maybe a medical emergency. In these instances, a MoneyKey Installment Loan in Idaho may be able to help! We offer Boise Installment Loans that might be able to help you handle an emergency expense that your savings won’t cover.

Apply Now or call us at 1-866-255-1668 for more information.

Loan Amount of Our Installment Loan in Boise

You can borrow between $200 to $2,000 for our Installment Loan in Boise.

Annual Percentage Rate (APR) or Interest Rates

The maximum APR is 295%. If you are approved for a loan, specific loan details will be outlined in your loan agreement.

The purpose of this loan is to act as a stopgap. It is not intended to help in meeting your long-term financial needs. MoneyKey urges you to borrow responsibly and to only use this loan in the case of an unexpected emergency.

Payment Schedule and Length of Loan

The term of your loan will span approximately 12 months, and you can expect 11 scheduled installments over this period if you get paid monthly.

If you’re paid weekly, bi-weekly, or semi-monthly, you can expect 23 scheduled installments.

Here are some examples:

In this example, the APR is 290.89% for a loan of $550 with an effective date of 02/18/2021, payable in 23 bi-weekly installments.

 Annual Percentage RateFinance ChargeAmount FinancedTotal of Payments
 
The cost of your credit as a yearly rate

290.89%

The dollar amount the credit will cost you

$1,012.83

The amount of credit provided to you on your behalf

$550.00

The amount you will have paid after you have made all payments as scheduled

$1,562.83

Payment Schedule

Payment DatePayment Amount
03/05/2021$67.96
03/19/2021$67.96

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In this example, the APR is 290.41% for a loan of $550, with an effective date of 02/12/2021, payable in 11 monthly installments.

 Annual Percentage RateFinance ChargeAmount FinancedTotal of Payments
 
The cost of your credit as a yearly rate

290.41%

The dollar amount the credit will cost you

$911.59

The amount of credit provided to you on your behalf

$550.00

The amount you will have paid after you have made all payments as scheduled

$1,461.59

Payment Schedule

Payment DatePayment Amount
02/26/2021$132.88
03/30/2021$132.87

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State Licensed Direct Lender

MoneyKey is a state-licensed direct lender in Idaho. Loans are funded by MoneyKey – ID, Inc. and governed by all applicable laws in Idaho. For more information on the license status of MoneyKey – ID, Inc., please visit the Idaho Department of Finance’s website or call (208) 332-8000.

Frequently Asked Questions

What are the minimum requirements to qualify for an Installment Loan in Boise, ID?

In order to qualify for an online Loan with MoneyKey in Boise, borrowers must:

  • Be at least 18 years old
  • Be a US citizen or a permanent resident
  • Be a resident of Idaho
  • Have an active bank account
  • Have a regular source of income
  • Have a valid contact number and an active email address

Please note that we currently do not offer credit products with rates that allow us to lend to covered members of the US Armed Forces and their dependents.

Where can I find loan stores near me?

When you’re in need of a loan but can’t afford to spend time traveling to a storefront location just to wait in line to speak to someone, an online loan through MoneyKey may be able to help. You can submit an application in Boise and throughout Idaho whatever time of day suits you best.

Can I qualify for an Installment Loan in Boise with a bad credit score?

Yes, you may qualify for an Installment Loan with MoneyKey, even if you have a bad credit score.

How long will it take to get a cash advance with a Boise Installment Loan?

If you’re approved, your money may be deposited into your bank account the same business day*.

Do I need to make an appointment in order to apply for an online Installment Loan with MoneyKey?

You do not need to make an appointment if you’d like to apply for an online Loan with MoneyKey. To start the application process online you can click here. The application is simple and it may take only a few minutes to complete.

Applying for a personal installment loan when you’re in a sticky financial situation is a big decision. Our aim at MoneyKey is to help. If you need any information or guidance on this process, reach out to us at 1-866-255-1668 and our Customer Care team will be happy to help. You can also find more information about us and our products by visiting our general FAQs page.

1 https://worldpopulationreview.com/us-cities/boise-id-population
2 https://boisedev.com/news/2020/02/24/boise-home-prices-rentals

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Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria. If you are a returning customer, loan amounts may vary.

*If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing. In the State of South Carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

Depending on your state of residence, applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is provided by CC Flow. Additionally, CC Flow maintains critical control over loan origination, underwriting approvals, and regulatory and compliance oversight management. MoneyKey is an authorized servicer of CC Flow. This means the CC Flow Line of Credit is available through MoneyKey and you will maintain your CC Flow Line of Credit account through MoneyKey.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page.

MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey. In the State of California, MoneyKey – CA, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law License No.1004516.

Reviews and any ratings referenced are based on Trustpilot reviews. Images are for illustrative purposes only. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey.