Twin Falls, ID · West · Allowed
Payday loans in Twin Falls
Twin Falls is governed by Idaho's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Idaho. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Twin Falls
48,260 residents · Twin Falls County Median household income is $41,927 — below the Idaho median of $46,337.
5 storefront locations of 5 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Continental Loans Installment Loans | 686 Blue Lakes Blvd N, 83301 | (208) 735-0892 | Mon 9:00 AM - 5:00 PM · hours vary |
| Half Price Title Loans - Ideal Lending Title Loans, Installment Loans | 136 Blue Lakes Blvd N, 83301 | (208) 293-9015 | 10:00 AM - 6:00 PM daily |
| Maverick Finance Installment Loans | 591 Washington St N, 83301 | (208) 732-0157 | Mon 9:00 AM - 5:00 PM · hours vary |
| Moneytree Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1517 Blue Lakes Blvd N, 83301 | (208) 735-6669 | Mon 9:00 AM - 7:00 PM · hours vary |
| Speedy Loans Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 430 Blue Lakes Blvd N Ste D, 83301 | (208) 410-4499 | Mon 10:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Idaho page before visiting. Spot an error? Report it.
The online route in Twin Falls
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Idaho follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Idaho regulator.
The rules behind the numbers
Payday loans are high-cost credit transactions intended for immediate cash needs and not as solutions for long-term financial problems.
In practice: borrow $300 for a standard term and the finance charge is $60 — $360 repaid at the end, about 521% APR. Every compliant lender in Twin Falls has to fit inside that schedule.
Statute: Idaho Code § 28-46-401 et seq.
Regulator: Idaho Department of Finance · finance.idaho.gov
Questions people ask in Twin Falls
Are payday loans legal in Twin Falls, ID?
Yes. Storefront payday lending is permitted across Idaho, and Twin Falls runs under the same state rules: maximum loan 1 loan at a time, fees capped at No fee cap (set by contract). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Twin Falls?
The same as anywhere in Idaho: state law sets the schedule. On a typical $300 loan the finance charge is about $60 — $360 repaid at the end of the standard term.
Which lenders have stores in Twin Falls?
5 storefronts are listed in Twin Falls in our 2022-02-20 directory snapshot (5 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Twin Falls?
Complaints about a lender go to the Idaho Department of Finance (finance.idaho.gov) — keep the loan agreement and every fee disclosure you were given.