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How Payday Loans Work

If you have found yourself wondering how payday loans work, you have come to the right place. Idaho Title Loans, Inc. is here to explain the payday loan process as well as give the definition of payday loan, by the end of this page, you could be on your way to receiving your own Idaho payday loans.

What Are Payday Loans?

Understanding how payday loans work starts with understanding what they are. Payday loans are also called payday advance loans, because they are a way to get you your paycheck in advance. There are times in life when an urgent financial situation comes up, which must be dealt with immediately and cannot wait until your next paycheck. For times like these, payday advance loans are a way to get money in between paychecks to tide you over until your actual paycheck comes. They are a short-term loan, typically due at or around your next paycheck, but this varies case-by-case and the terms of your loan will specify your unique scenario. We offer Idaho payday loans from $100-$500.

How Do Payday Loans Work?

So, now that you know what payday loans are, let’s dive into how payday loans work. With us, the payday loan process is simple and straightforward, often only taking 30 minutes. We know that when you need a payday loan, you need it quickly. Read on to see the entire process spelled out.

Step 1: Gather The Required Items.

We want to make Idaho payday loans accessible. So, we have kept the requirements to a minimum. But although the list is short, it is necessary to have each one. So before applying for your loan, take the time to make sure you have and to gather up the following:

Your identification. This is most typically a driver’s license. However, any government-issued photo ID is acceptable. This is to verify your identity and prove that you meet the minimum age requirement for getting loan from us, which is 18.
Your most recent paystub. This helps us determine the terms of the loan. We need to get an idea of how much you make in your paycheck and when your paycheck comes. So that we can know how much you will be able to repay and how quickly.
A blank check. This must be from an active account that is in your name.

Step 2: Get The Payday Loan Process Started.

If you meet the above requirements, congrats! You have what you need to get a payday loan. Here is where we really get into how payday loans work. You can get started by reaching out to us and informing us in your interest in a payday loan. You can do so by calling or by filling out our online inquiry form. Many prefer the convenience and speed of the online form. It is found on the homepage of our website and only takes minutes to fill out. It is not an application and it is not binding, it simply gathers your most basic information and sends it to the nearest store location so that we are made aware of your interest in our loans.

Step 3: Speak To The Representative.

Once we are made aware of your interest, you will get a call from one of our friendly representatives. So you can sit back and wait for this call. They will answer any remaining questions you have about how payday loans work or other common payday loan questions. They will also work with you to find a good time to meet for the in-person process. This will involve coming into our store to finish.

Step 4: Visit The Store.

Once you have agreed about a time, you will head in to meet with the representative at the store nearest you. Make sure you bring all of the required items we went over in step one. It is here that you will fill out the in-person application. As mentioned earlier, once your meeting gets started, it’s typically finished within about half an hour.

Step 5: Get Your Payday Advance Cash!

That’s it! Once you’ve completed Step 4 the next thing to do is for the representative to see if you qualify and if you do, for how much. They will also work with you to arrange the way to get the cash and show you how easy it is to pay the bill through our online portal.

Get Started Now!

As you can see, getting a payday loan does not have to be a complicated process. And now that you know exactly how payday loans work, you can confidently know if this is the loan for you. If you need extra cash to cover an emergency and bridge the gap between your paychecks, look no further than a payday loan from Idaho Title Loans, Inc. You can get started now by filling out the short online loan inquiry form on our homepage.

Title Loans

Getting an online title loan is easy! No store visit required, we come to you! Get the cash deposited straight into your bank account, and even keep your car!

Payday Loans

Don't own a vehicle? Idaho Title Loans, Inc offers payday loans as a fast and easy alternative to get the cash you need.

Signature Installment Loans

Idaho Title Loans, Inc. offers signature installment loans as an easy way to get more cash with more time to pay it back. Up to $1,500 with convenient monthly payments.

You will be on your way to our store in no time since the call only takes a few minutes. All you need is the following items:

Driver’s License or State Issued I.D.
Lien-Free Title to Your Vehicle
Your Vehicle for Inspection

We also welcome all credit, so fill out our online request form and get started now!

All you have to do to start the process right now is submit our online request form on this page and one of our friendly store associates will call you right back.

When you’re ready to get the emergency cash you need without all the hassles of a traditional loan, Idaho Title Loans, Inc has you covered. It doesn’t matter what has left you in need of cash, because with a car title loan you could get up to $15,000 today.

Fast Cash Today!