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Idaho Rates & Terms

Idaho State License
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Idaho Speedy Cash loan agreements are governed by the State of Idaho.

View example finance charges.

Cash Advanced for 7 Days

Advance Amount: $100.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $6.90
Minimum Payment Due: $8.90
Pay in Full Amount: $106.90
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $200.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $13.81
Minimum Payment Due: $17.81
Pay in Full Amount: $213.81
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $300.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $20.71
Minimum Payment Due: $26.71
Pay in Full Amount: $320.71
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $400.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $27.62
Minimum Payment Due: $35.62
Pay in Full Amount: $427.62
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $500.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $34.52
Minimum Payment Due: $44.52
Pay in Full Amount: $534.52
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $750.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $51.78
Minimum Payment Due: $66.78
Pay in Full Amount: $801.78
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%

**Annual Percentage Rate: The APR is the cost of your loan expressed as a yearly rate.

Cash Advanced for 14 Days

Advance Amount: $100.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $13.81
Minimum Payment Due: $15.81
Pay in Full Amount: $113.81
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $200.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $27.62
Minimum Payment Due: $31.62
Pay in Full Amount: $227.62
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $300.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $42.42
Minimum Payment Due: $47.42
Pay in Full Amount: $342.42
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $400.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $55.23
Minimum Payment Due: $63.23
Pay in Full Amount: $455.23
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $500.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $69.04
Minimum Payment Due: $79.04
Pay in Full Amount: $569.04
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $750.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $106.56
Minimum Payment Due: $118.56
Pay in Full Amount: $856.56
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%

**Annual Percentage Rate: The APR is the cost of your loan expressed as a yearly rate.

Cash Advanced for 30 Days

Advance Amount: $100.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $29.59
Minimum Payment Due: $31.59
Pay in Full Amount: $129.59
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $200.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $59.18
Minimum Payment Due: $63.18
Pay in Full Amount: $259.18
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $300.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $88.77
Minimum Payment Due: $94.77
Pay in Full Amount: $388.77
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $400.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $118.36
Minimum Payment Due: $126.36
Pay in Full Amount: $518.36
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $500.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $147.95
Minimum Payment Due: $157.95
Pay in Full Amount: $647.95
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%
Advance Amount: $750.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled		 $221.92
Minimum Payment Due: $236.92
Pay in Full Amount: $971.92
Interest Period: You will be charged interest daily starting from the effective date
Annual Fee: None
Cash Advance Fee: None
Late Fee: None
APR**: 360%

**Annual Percentage Rate: The APR is the cost of your loan expressed as a yearly rate.

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Online Line of Credit Questions

How much money can I borrow?

Idaho residents may be eligible to receive up to $750 with an online line of credit from Speedy Cash.

When will my loan be due?

Your line of credit payments will typically be scheduled around your pay days; either bi-weekly, bi-monthly, or monthly. With each payment, you have the option to pay only the minimum amount due, or you can pay an additional amount to pay down your balance quicker.

How can I get more cash?

A line of credit is flexible, so as long as your loan is active you will be able to withdraw funds against your line of credit anytime (up to your credit limit). As you pay down your principal, you will have access to more cash.

Did you receive a reservation number in the mail? Click here to get started.

Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

†Instant funding is not applicable for all debit cards and is not available in Ohio, Oklahoma, Oregon, or South Carolina. Subject to system limitations. Some restrictions may apply.

∞Cash advances only available up to approved credit limit; some restrictions may apply.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Deferred deposit loans are provided in accordance with the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov.

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