A generous $1,000 cap, but no ceiling at all on the rate a lender can charge.
What a Cash Advance Costs in Idaho
Idaho allows a cash advance up to $1,000 in outstanding principal, but currently places no limit on the finance rates a lender can apply.
Loan Size, Term, and Renewal Rules
That combination has produced some of the highest average advance costs in the country — a 36% cap bill (SB 1285) remains under active legislative debate.
| Factor | Rule |
|---|---|
| Maximum advance | $1,000 outstanding |
| Rate cap | None currently |
| Pending legislation | 36% cap under debate |
Verify current rules with the Idaho Department of Finance before applying with any lender — this summary is for general information only, not legal advice.
Comparing Your Options in Idaho
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