Frequently Asked Questions

We offer unsecured personal loans, loans secured by household goods, loans secured by your vehicle (including auto refinancing), and purchase loans for vehicles, recreational vehicles and other items. See the Loan Products page for details.

Unsecured loans run from $500 to $1,000 at our Twin Falls and Jerome offices and up to $5,000 at our Burley office. Loans secured by household goods go up to $5,000, and loans secured by or used to buy a vehicle go up to $20,000. The amount you qualify for depends on your application, income, credit history and collateral.

Often, yes. We review each applicant individually and we regularly work with people who have been turned down by banks and credit unions, including customers who have recently gone through bankruptcy. Approval is not guaranteed and every application is reviewed.

Yes. As a traditional installment lender we review your application and credit report before making a decision. Your credit history is one factor; we also look at your current situation, income and collateral.

We report payment histories to TransUnion every month. Making your payments on time builds a positive repayment history that can help you rebuild your credit score.

Many applications get an answer the same day. How quickly your loan is funded depends on the information we need from you and, for secured loans, on the collateral.

Fill out our secure online form, or call or visit your nearest office and we will help you fill out a credit application.

You can pay online through PayNearMe or your branch's customer portal, by phone, or in person at your branch. Have your account number ready. See Make a Payment.

No. We make installment loans with fixed payments and terms from a few months to several years, so you pay the loan down over time.

We have three locally owned offices in Idaho's Magic Valley: Twin Falls, Jerome and Burley. See Our Locations for addresses and phone numbers.

Consumer lenders in Idaho are supervised by the Idaho Department of Finance. You can reach the Department at (208) 332-8000 or toll-free at (888) 346-3378, or visit finance.idaho.gov.