Online Installment Loans in Idaho
Looking for an Idaho installment loan that’s easy to qualify for? Wise Loan offers no-hassle installment loans in Idaho for people with all types of credit. Find out more about your options below and apply now for added benefits such as access to instant funding.
Get The Money You Need – When You Need It!
No matter where you are in Idaho, Wise Loan can help you find the right installment loan for your needs. The cities we serve include:
Instant Loan Decision
Money in 24 Hours
Easy, Flexible Payment Terms
In Idaho, you can get a Wise Loan installment loan with funding within 24 hours or faster if you qualify. Instant funding is an option for those that apply before 5:30 pm CT and who have a Visa or Mastercard debit card associated with their bank account. Same-day funding may be possible if you apply before 11 am CT, and most other loans fund the next business day.
You don’t need an excellent credit score to get a Wise Loan loan, but you do need valid contact information and a bank account where you can receive your funds.
What you need for your application
Government-issued ID showing you reside in the state of Idaho
A recent bank statement
A personal check or debit card associated with your account
Proof of income, such as a pay stub from your employer
How it Works
Getting an installment loan online is a simple, safe and secure three-step process.
Apply
Our application process is simple. Complete the quick online application for an installment loan in Idaho. It takes less than a few minutes to complete the Wise Loan application, and you generally get a response within minutes.
If you’re approved, your response will include loan terms to review. You’ll see how much you can borrow, how long you have to pay it back, the interest rate you’ll pay to borrow the funds and payment plan options. In Idaho, our loan amounts range between $200.00 and $1,500.00 for first time customers and up to $3,500.00 for returning customers.
Accept Offer
Until you accept the offer, you haven’t borrowed the money and aren’t under obligation to make any payments. Once you accept the offer, the funding of your loan is initiated. The type of funding you select or qualify for will determine when your loan will be deposited into your bank account. While Wise Loan transfers funds the same day or next business day, it will depend on your bank policies as to when the funds become available.
Pay Back Your Loan
Installment loans are typically broken into weekly, bi-weekly, or monthly payments. Wise Loan makes it easy for you to set up automatic repayments and rewards positive payment history with cash-back rewards.
Take Control of Your Installment Loan Payment Terms
You’re not trapped in a payment agreement you can’t keep when you work with Wise Loan. Flexible payment options let you choose terms that work with your budget. Idaho’s residents can choose from up to 12 monthly payments, 26 bi-weekly payments, 24 semi-monthly payments or 52 weekly payments. When choosing the payment terms, be sure to pick terms that accurately reflect your ability to pay.
Get Cash-Back Rewards
For every $1,000 you borrow and pay back on time and as agreed, you can get $10 to $50 deposited into your Nest Egg account with Wise Loan.
WHAT OUR CUSTOMERS HAVE TO SAY
Local Reviews for Idaho
Reviews
Customers say: The reviews exhibit a mixed sentiment, with some expressing satisfaction and others dissatisfaction. Positive reviews highlight helpful and professional customer service, while negative reviews mention issues with loan terms, customer service, and unexpected fees. Some reviewers also express gratitude for the assistance provided by specific representatives. Overall, the sentiment is neutral, with a mix of positive and negative reviews.
Thank you for the help
Melissa -
Wallace, ID 83873
Response from Wise Loan:
Melissa, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan
Excellent service!
CRAZY -
Pocatello, ID 83201
This was an account opened through identity theft. Once I informed them of situation they where more than willing to help and provided me with all the important information I needed to take care of the situation. Thank you so so much!!!
Response from Wise Loan:
Crazy, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan
UNREAL INTEREST CHARGES
DAVID -
Hollister, ID 83301
TOO HIGH OF INTEREST CHARGES.
Response from Wise Loan:
David, thank you for sharing your feedback. At Wise Loan we strive to go the extra mile for our customers and apologize for any inconveniences. If you have any questions, please don't hesitate to reach out to [email protected] or call 800.516.7840. Best regards. -The Call Center
Satisfaction survry
JAMES -
Rexburg, ID 83440
Excellent service
Above and beyond
DANA -
Caldwell, ID 83605
Got an email, called and got Robby Glenn on the phone. Explained I had been trying to keep in contact about the payoff check from my bank and left a message for a call back last week, but never got one. He took everything to his supervisor and called me right back, less than 5 minutes, and told me everything was good. He by far has been one of the nicest people I have spoke with there.
Great service
CAROL -
Pocatello, ID 83201
He was very kind and informative
Reconciliation of a fraud claim
OREN -
Idaho Falls, ID 83406
I was victim of a fraud in 2019 when someone used my info to borrow money from Wise Loan. I contacted Wise Loan when I found the issue and thought I had resolved it. However in early July 2021 I was contacted by a collection company wanting to sever me for this same loan from 2019. I had not received any other notice, email, phone call or letter from Wise Loan prior to this. When I contacted Wise Loan to find out why I was still being pursued on this matter, I was sent to speak with Robbie. I’m short, I found him very calm and respectful in how he dealt with me. He was able to find the correspondence from Wise Loan was going to an errant email address. He was able to correct this with my email, sent me the proper data so I could file a proper Fraud Claim in order to resolve this matter. I did not want to pay for a loan I did not take out nor receive the money from. All documentation is now with Wise Loan and I accredit Robbie for helping me get this done. He is excellent at handling potentially volatile situation while being a professional representative for Wise Loan and helping me feel I had value to. I ran the credit department for a large agricultural company and would have loved to have had someone with his skills. I appreciated working with him. Thank you, Robbie for your help.
Appreciation
DONALD -
Boise, ID 83702
Thanks for working with me through this difficult time we're all going through.
Great Service very helpful
Kathy -
Pingree, ID 83262
Great
Jude C.
Jude C.
ROBBY G.
ROBBY G.
ROBBY G.
Mae F.
Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.
Mae F.
Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.
Mae F.
Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.
Jude C.
ROBBY G.
ROBBY G.
Olga S.
Olga S.
Trent T.
this is trent the one that helped you today would you mind fill out this regarding for my performance today?
Trent T.
this is trent the one that helped you today would you mind fill out this regarding for my performance today?
Mae F.
Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.
ROBBY G.
ROBBY G.
Jude C.
Olga S.
Jude C.
Jude C.
Olga S.
Jude C.
ROBBY G.
FAQs About Idaho Installment Loans
What is an installment loan?
An installment loan is an agreement to borrow a set amount of money and pay back the balance over a specific term. These payments are made on a regular basis on a fixed amount, meaning the borrower’s payment is the same each time. Common examples of installment loans include student loans, mortgages, vehicle loans and personal loans.
Where can I get an installment loan online?
If you live in the state of Idaho, you can apply for an installment loan online with Wise Loan.
How many installment loans can you have?
There’s no real limit for how many installment loans you can have. Many people have more than one. For example, if you have a personal loan, an auto loan and a mortgage, you have three installment loans. However, you can only have one installment loan through Wise Loan at a time.
Can installment loans be paid off early?
Yes, you can pay your Idaho installment loan with Wise Loan off early. Doing so may even help you save money.
What happens if I don't repay my installment loan on time?
If you don’t pay your installment loan on time, you may end up paying a late fee. Your creditor may also report the late payment to the credit bureaus, which can negatively impact your score.
What Will My Loan Cost?
A Wise Loan installment loan is an expensive form of credit and should be used only when necessary for emergency or unexpected expenses. Your Annual Percentage Rate (APR) may differ depending on several factors. Quicker payoffs will result in lower rates. For more information, see an example repayment schedule of a Wise Loan.
Get an Installment Loan Today
You can get a Wise Loan installment loan with funding within 24 hours or faster if you qualify.
Terms and Conditions for Idaho
Always review the full terms and conditions and privacy policy before taking out a loan. Rates are calculated according to the rates allowed under the laws of Idaho. In addition, you may also be charged a late fee of $25 for payments after the due date. APR calculations are based on the number of days between the loan effective date and your first payment date, and they are provided in accordance with federal Truth in Lending laws. APRs may vary based on loan term. Please see your loan agreement for the APR and other terms applicable to your loan.
Idaho Regulatory Contact Information
Idaho Department of Finance. 800 Park Blvd, Ste. 200 Boise, ID 83712. Phone: (208) 332-8061 Email: [email protected]
The recommendations contained in this article are designed for informational purposes only. Essential Lending DBA Wise Loan does not guarantee the accuracy of the information provided in this article; is not responsible for any errors, omissions, or misrepresentations; and is not responsible