Whether you’re living in Boise, Nampa, Pocatello, or Idaho Falls, no one is immune to the potential pitfalls of an unexpected emergency. Dealing with the costs that can accompany these emergencies can be stressful when funds are tight and your savings are limited. In these instances, an online loan in the form of a line of credit may be the safety net you need to help you deal with these expenses! An emergency situation could come in the form of an unexpected auto repair, a medical expense, or an essential home repair that you couldn’t see coming.
$500 to $5,000.
You have the option to withdraw available funds all at once, or in smaller amounts from your available credit, as needed, so long as your account is in good standing. If you request a draw, funds may be deposited into your bank account the same business day3.
If you have an outstanding balance, you will be required to make a Minimum Payment for each Billing Cycle.
You will be issued a periodic statement at least 14 days before your Minimum Payment is due for your Line of Credit. Your periodic statement will include important details such as your Minimum Payment and your Payment Due Date.
Your Minimum Payment will be made up of two components:
You can always make payments towards your Outstanding Principal Balance at any time without prepayment penalties. You may log into your account to make a payment online using a debit or pre-paid card or call 1-800-766-2007 to set up a payment.
For each billing cycle, you will only be charged a Billing Cycle Charge if you have an Outstanding Principal Balance. You can find this information in your periodic statement. A portion of each Minimum Payment goes directly to your principal balance to ensure you are always paying down your balance.
For further details, visit the Cost of Credit page.
In order to qualify for an online loan through CreditFresh, you must:
Please note that currently, no credit products offered through CreditFresh have charges that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.
Yes, in order to be approved for this online loan, you’ll need to have an active bank account.
No, you will not need to make an appointment. Simply click here to begin the process of submitting a request. This is simple and may only take a few minutes to complete1.
For more information, feel free to give us a call at 1-800-766-2007 and a member of our Customer Service team will be pleased to help you.
Yes, online loans are currently offered through CreditFresh in the form of a Line of Credit in Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Hawaii, Indiana, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin in addition to Idaho.
While they’re both considered loans, there are some important distinctions between an installment loan and a line of credit. One of the main ones is that the latter is a form of revolving credit. What this means is that if you’re approved, you can draw any amount from your available credit, either in small amounts or all at once as needed. As you pay down your balance, you can continue to borrow money when you need it from your available credit, so long as your account is in good standing. Being able to request draws, repay and redraw as needed may make emergency loans online useful when you’re faced with an unexpected expense. If you want to learn more about other online loans, click here.
If it sounds like this Line of Credit is suited to your particular situation, or you’d like additional information on the process of requesting an online loan in Idaho through CreditFresh, feel free to contact our Customer Service team at 1-800-766-2007. You can also find more information by visiting our general FAQs page.