We charge less than other title lenders.

No/bad credit? No problem!

Refinance your loan at HALF the rate!

Loans and Requirements

At Ideal Lending we have 2 types of loans to serve you best!

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Secured / Installment Loan

Definition: A loan where titled property is secured as collateral and the loan is paid back in steady and predictable monthly installments.

Interest rate: Most loans at 150% Annual Percentage Rate

Requirements:

  • Title without a lien on it
  • Bring the vehicle to one of our locations
  • Current proof of income for the last 30 days (paystubs or bank statement)
  • Current proof of residency (such as a piece of mail dated within the last 30 days)
  • Government issued photo ID
  • Spare Key (if possible)
  • Current Registration & Insurance for loans over $3,000
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Unsecured / Signature Loan

Definition: A loan where nothing is secured as collateral and the loan is paid back in steady and predictable monthly installments.

Interest rate: 260% Annual Percentage Rate

Requirements:

  • 2 years at current employer
  • 2 years at current residency
  • 2 full months of bank statements with a bank account older than 2 months
  • 1 full month of transaction history for the current month with a bank account older than 2 months
  • Current proof of residency (such as a piece of mail dated within the last 30 days)
  • Government issued photo ID

Questions about our Loans and Requirements?

Whether you're in Boise, Nampa, Caldwell, Fruitland, Twin Falls, or Post Falls, give us a call at 208-336-5626 if you have any questions!

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