Personal Loans in Idaho

Securing a personal loan in Idaho is no longer the challenge it once was. The process has been streamlined to be as simple and straightforward as possible. At Wise Loan, we’ve made it simple to secure and repay a personal loan, and we offer enough money to cover anything life throws your way.

What Is a Personal Loan?

A personal loan is a straightforward online loan borrowed from a lender. Once your loan application is accepted, the money is then deposited into your account, fast. You then repay the loan in fixed monthly installments, lasting between 6 to 12 months.

What Can I Pay for with a Personal Loan?

A personal loan can be used for just about anything you need:

•         Debt consolidation
•         Emergencies
•         Medical bills
•         Home improvement projects
•         And more!

What’s the Difference Between a Personal Loan and a Line of Credit?

Many of our borrowers confuse a personal loan with a line of credit. Essentially, a personal loan is a loan that you pay in monthly installments. You receive the money all at once. With a line of credit, you draw some of the money available, repay it, then redraw more when you need it most. It’s a cycle.

Can I Get a Personal Loan with Bad Credit?

Absolutely—it is possible to apply for and receive an online personal loan through Wise Loan with poor credit. We use different loan qualification requirements than the average banking institution. Therefore, we’re happy to work with people who have bad credit.

Secure a quick personal loan in Idaho from Wise Loan at 800-516-7840!

How Much You Can Borrow

In the state of Idaho, Wise Loan offers loan amounts between $200 and $2000. You don’t necessarily need to have good credit to be approved at Wise Loan! Amounts, as well as approvals, are determined by several factors, including your credit and loan repayment history.

Flexible Payment Terms

With a Wise Loan installment loan, you get to pick the number of payments needed to pay off the loan. Idaho’s residents can choose from up to 12 monthly payments, 26 biweekly payments, 24 semimonthly payments, or 52 weekly payments. When choosing the payment terms, be sure to pick terms that accurately reflect your ability to pay.

Cash Back Rewards

By paying your Wise Loan back in a timely fashion in Idaho, you can earn cash-back rewards! For every $1000 borrowed and paid back on time, you could have $10 to $50 deposited into your Nest Egg savings account.

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.

Late Fees

If you fail to pay any installment within 10 days of its due date, you agree to pay a fee equal to the lesser fifteen dollars ($15) OR (ii) 5% of the unpaid installment. The late charge may not be collected more than once for the same default. We may collect the late charge at the time of the default or at any time thereafter. If we deduct the late charge from any payment received after default occurs, and the deduction results in the default of a subsequent installment, we will not collect a fee for the resulting default.