Idaho Frequently Asked Questions
Looking for a Payday Loan
What is a payday loan?
A payday loan is a short-term loan designed to help you make ends meet. It is not intended to be a long-term solution. Other commonly used terms are payday advance, post-dated check loan, cash advance, deferred deposit loan, or payroll advance.
Why a payday loan?
Is USA Cash Services a Direct Lender?
Yes. USA Cash Services is a direct lender. Many websites that appear to be payday lenders are only collecting your information so that they can sell it to others. USA Cash Services will not sell your information to anyone. As a direct lender, we are the company that issues and services the loans.
How do I get an Idaho payday loan?
Our loans are as easy as 1, 2, 3…
- Submit an application for an online payday loan. Already a customer? Sign-In to apply
- Contact us! Our number is: 801-476-4242.
- Once approved, you will be typically receive your money directly to your checking account within 1 business day.
What does it cost?
In the state of Idaho the cost for your payday loan is 17.65% of the amount you borrow. The APR varies depending on the length of your loan. For example, if you borrow $100.00 for 14 days, our fee would be $17.65, with an APR of 460.16%. This APR is based on an example term of one payment due in 14 days. The APR may increase or decrease if your actual loan is shorter than or longer than this example. To determine the cost of your payday loan before you apply, see our rate calculator.
How do I qualify?
In order to apply for a loan with us in Idaho you must have:
- A verifiable source of income.
- An open checking account.
- Valid government issued photo ID.
If you meet these basic requirements, please complete our easy Online Application.
We reserve the right to decline a request for an advance for any legitimate reason.
Is it safe?
We make every effort to ensure that your confidential information remains private. Our Website uses Secure Socket Layer (SSL) technology with signed digital certificates. Our technology encrypts all of your information to assure your privacy and safety. For more information see our security policy.
Are you licensed?
Yes. Unlike many of our competitors, we provide loans only in those states in which we have a business license. Each state has its own set of regulations. There are also federal laws and regulations governing our internet-based payday loan transactions. It is our policy to comply with all applicable state and federal laws and regulations. In the state of Idaho, we are regulated by the Idaho Department of Finance. If you have any questions or concerns, please contact us at 801-476-4242. If we are unable to answer your concerns you may also contact the Idaho Department of Finance at 208-332-8000.
What if I filed for bankruptcy?
In most cases, your prior bankruptcy history will not affect your approval; however, you cannot currently be in an open bankruptcy.
Do you sell my information?
USA Cash Services takes your privacy very seriously. We do not sell your private information. Click here to view our Privacy Policy.
What if I have a complaint or concern?
If you have any questions, complaints, or concerns, please contact our management at: 801-476-4242 or Click Here to submit a form online.
You may also contact the Idaho Department of Finance at 208-332-8000.
Once you have applied
How do I find out if I am approved?
- Complete the Idaho online payday online payday loan application.
- Call us at 801-476-4242 (We must verbally review the terms of your loan before it can be approved.)
- We will send you a confirmation email once you are approved.
How do I contact you?
- See our contact us page
- Email us at [email protected].
- Call us at 801-476-4242
What are your business hours?
- Monday – Friday 8 AM to 8 PM (Mountain Time)
- Saturdays 8:30 AM to 3 PM (Mountain Time)
When will I receive my money?
If your payday loan request is completed and approved by 7:30 PM MT, Monday – Friday, you will generally receive your money the next business day.
- If your payday loan request is approved by 7:30 PM MT, Monday-Thursday, your funds will be available in your checking account the next day.
- If it is approved by 7:30 PM MT on a Friday, your funds will be available in your checking account the following Monday.
- If your loan request is submitted after 7:30 PM on a Friday, or anytime on a Saturday or Sunday, and approved either on Saturday before 3 PM MT or on Monday before 7:30 PM MT, your funds will be available in your checking account on Tuesday.
How do bank holidays affect my loan?
If you apply for a loan the business day before a bank holiday, the funds for your approved loan will typically not be available in your checking account until the business day after the holiday.
What if I don't want the loan?
You have the right to cancel your loan without incurring any charges if you take one of the following actions before 6 P.M. MST on the next business day following the start date of your loan: (a) Contact us at 801-476-4242, and authorize us to immediately initiate an electronic debit to your bank account for the full principle amount; (b) Pay the full principle amount back with a card. (The card processor may charge a fee.) Or; (c) Return the full Principal Amount to us in person at any USA Cash Services store location in the form of cash, certified check or money order. If any electronic debit is returned unpaid for any reason, your loan will not be cancelled, and you will remain obligated to repay your loan as provided in the Agreement.
How do I repay?
Multiple Payment options are available:
- Automatic debit from your checking account.
- Cash, certified check, or money order at one of our store locations.
- Certified check or money order via mail.
- Must be received by the loan due date.
- Mail to: 1752 Combe Rd #1, Ogden, UT 84403.
- Debit card over the phone. (The card processor charges a fee for this option.)
What if I need an extension?
You may be able to extend your loan. To do so simply Sign-In to your account and complete the form. In Idaho, a payday loan can be extended for a maximum of 31 days for each extension. You may be able to extend multiple times.
Can I pay early?
Yes. You may prepay at any time without penalty.
To pay off early:
- Contact us to authorize an early debit from your checking account or to pay with a card. (If you choose to pay with a card, the card processor charges a fee for that service. We do not charge a fee for any of the other payment methods available.)
What if I cannot pay?
Call us immediately! You may be eligible to extend your payday loan. If you cannot extend your loan and you know that there are not going to be enough funds in your checking account on the loan due date, it is important that you contact us (801-476-4242) before your loan is due. Contacting us prior to your due date may save you costly bank fees.
What if I default?
If you default, please contact us ASAP. We will work with you to get your account back in good standing. We report information regarding your debt to a consumer reporting agency.
How soon can I get another loan?
A payday loan is a short-term loan designed to help you make ends meet. It is not intended to be a long-term solution. If you are in need of another loan, you are welcome to Sign In and submit another request anytime you have credit available, as long as:
- You do not have any past due loans with us.
- You do not have any loans that are due the next business day
What other services do you provide?
USA Cash Services provides a variety of services:
- USA Cash Services currently only offers Online Payday Loans in Idaho.
