Personal loans in Idaho
Consumer lending in Idaho is regulated by the Idaho Department of Finance. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.
Lending rules in Idaho
| Payday lending | Permitted and regulated — maximum loan amount: The maximum principal amount of any payday loan is $1,000. Finance charges: A payday lender shall not make a payday loan that exceeds 25% of the gross monthly income of the borrower when the loan is madeSource: National Conference of State Legislatures · as of 2023 |
|---|---|
| Small-loan / installment licensing | Consumer lenders must obtain a state license (Yes). Statutory basis: Idaho Code Ann. §§ 28-41-101 et seq. Licensing administered through NMLS: Yes.Source: Conference of State Bank Supervisors · as of 2026 |
| Interest rate cap (usury limit) | Usury limit: 12% for agreements without written contracts (§ 28-22-104). Finance rates and fees for licensed lenders: Rate agreed to by the parties. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026 |
| Consumer lending regulator | Consumer lenders in Idaho are licensed and supervised by the Idaho Department of Finance.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Idaho Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Idaho Office of the Attorney General · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024 |
| Complaint / licensing lookup | Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Idaho Department of Finance; consumers can file complaints with the Idaho Department of Finance or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026 |
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Cities in Idaho
BoiseNampaMeridianCoeur d'AleneIdaho FallsPocatelloCaldwellTwin FallsPost FallsLewistonRexburgEagleMoscowKunaAmmonMountain HomeChubbuckHaydenJeromeBlackfootGarden CityBurleyStarRathdrumMiddletonHaileySandpointPayetteEmmettRupertFruitlandWeiserPrestonRigbyShelleyBuhlAmerican FallsKimberlyLincolnSt. AnthonyGoodingHeyburnMcCallKetchumHidden SpringsVictorGrangevilleOrofinoSalmonSoda SpringsSt. MariesMountain Home AFBWendellHomedaleAberdeenFilerIonaMontpelierBellevueFort HallBonners FerryDalton GardensDriggsSugar CityKelloggMalad CityPriest RiverPinehurstParmaSpirit LakeShoshoneHansenWilderNew PlymouthOsburnLapwaiTyheePaulRobie CreekGraceUconCareySun ValleyMarsingAvimorMorelandKamiahGeneseePonderayHagermanCottonwoodGlenns FerryKootenaiMoyie SpringsAshtonCascadeWallacePlummerGrovelandHauserRiverside
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