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Online Installment Loans in Idaho

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MoneyKey > Online Installment Loans > Online Installment Loans in Idaho

The Idaho Installment Loan product is no longer offered to new customers. New customers may apply for a CC Flow Line of Credit in Delaware. For Rates & Terms, please click here. If you are a returning customer, please click here to login.

If you’re looking for quick installment loans in Idaho from a reliable lender, MoneyKey may be able to help you. An Installment Loan is a short-term loan with payments that are spread out over time.

In some cases, online loans can be a viable solution to cover unexpected expenses. These can include things like medical emergencies, unexpected car repairs, or home repairs.

We make applying for online loans in Idaho fast and secure. We also have a friendly and knowledgeable Customer Care team available 7 days a week to answer any installment loan-related questions you may have throughout the borrowing and repayment process.

If you’re approved, you may receive money in your bank account the same business day*.

As you move through your credit journey, you may also be eligible for a reduced cost of credit and/or increased loan amounts based on your payment history over time†.

Summary

Loan Amount: $200 to $2,500

Loan Type: Installment Loan

Loan Term: ~12 months

Funding: Same business day*

Pre-Payment Available: Yes

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Getting an Online Loan in Idaho

There’s more to the Gem State than just its rich source of gems and the famous Idaho potato. Idaho is filled with beautiful landscapes and wildlife, including Yellowstone National Park and Shoshone Falls. Whether you’re visiting one of their major cities like, Boise, Nampa, or Idaho Falls, or checking out the scenery, the state has a lot to offer.

Idaho is one of the smaller states in the country, but the cost of living is a little higher than the national average. Having said that, this’ll likely depend on where you live in Idaho.

Just like in all parts of the country, people in Idaho need to make sure they have a means to deal with any unexpected emergencies that come their way. This could be for things like surprise car repairs, medical expenses, or home repairs. If you don’t have an emergency fund ready and waiting, an installment loan in Idaho may be a potential short-term solution.

How It Works

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1. Submit Your Appllication

 

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2 Get Approved◆

 

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3. Get Money The Same Business Day*

Start Application

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Installment Loan Details

Loan Amount

The amount you can borrow for an Idaho Installment Loan will range between $200 and $2,500. After we review your application, we’ll let you know if you’re approved and how much you may qualify for.

Cost of Loan

Interest will be charged on your MoneyKey Idaho Installment Loan, with a maximum annual percentage rate (APR) of 295%. Your APR will depend on your exact payment schedule, which is available in your loan agreement. See below for examples of MoneyKey online loans in Idaho and their corresponding APRs.

This loan is an expensive form of credit and is not intended to meet long-term financial needs. MoneyKey urges you to use this product responsibly.

As you move through your credit journey, you may also be eligible for a reduced cost of credit and/or increased loan amounts based on your payment history over time†.

Term of Loan

Your loan payments typically start on your next payday and run for approximately 12 months. If you are paid monthly, you’ll have 11 scheduled installments. If you are paid weekly, bi-weekly, or semi-monthly, you’ll have 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 Rate Finance Charge Amount Financed Total 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 Date Payment Amount
03/05/2021 $67.96
03/19/2021 $67.96

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 Rate Finance Charge Amount Financed Total 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 Date Payment Amount
02/26/2021 $132.88
03/30/2021 $132.87

State License

MoneyKey is a state-licensed direct lender in Idaho. Loans are funded by MoneyKey – ID, Inc. and governed by all applicable laws. For more information regarding the license status of MoneyKey - ID, Inc., please visit the National Multistate Licensing System website.

Installment Loans in Idaho: Frequently Asked Questions

To qualify for a Line of Credit in Kansas, you must:

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

Please note that currently no credit products offered through MoneyKey have rates that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

No, this is not a payday loan. A payday loan is a short-term loan where you are typically required to pay back the loan in full on your next payday. This is an installment loan, which is different because unlike a payday loan, no lump-sum payment is required. With an installment loan, you pay back the loan in installments over time until it is paid off.

If approved, funds may be deposited to your bank account the same business day*.

For details on specific funding cut-off times, visit MoneyKey’s FAQs here.

Yes, and there’s no penalty to pay off your Idaho Installment Loan earlier than scheduled. If you’d like to make an early payment, or a larger payment to pay down more of your principal, you may do so by calling us at 1-866-255-1668 or emailing [email protected]. We encourage you to pay your loan off as quickly as possible as doing so may reduce the total finance charges you’ll pay.

To be eligible for an Idaho Installment Loan, you need to be a resident of Idaho. Our customers come from across the state, from Boise in the West to Idaho Falls in the East, and towns in between like Pocatello. Wherever you live in Idaho, MoneyKey is here for you.

If you live in another state, please check our Products & Services to see if other online loans such as Installment Loans or Lines of Credit are available in the state that you currently live in.

General Inquiries

A personal loan in general can be a useful short-term solution to cash flow problems in an emergency situation, but there may be some benefits that you’ll see when you decide to apply for one online. This can include things like:

  • Speed of application process
  • Convenience of online process
  • Option to Apply 24/7

Have more questions? Please refer to our general FAQs page or contact our Customer Care team at 1-866-255-1668.

Looking for More Resources? Check out:

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check Emergency Loans Online
check How to Get a Loan Online

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