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Best Car Title Loans in Boise, ID

Aug. 15, 2019, 8:17 p.m.

About 2 million Americans each year take out title loans to get much-needed cash. A title loan is a short-term financial solution that’s easy to qualify for as long as you own a vehicle. Our partners at ConsumerAffairs researched the best title loan companies in Boise so know where to apply and what to expect as a borrower.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KIVI may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
208 Title Loans

Idaho's #1 Title Lending Store!

#1 MOST POPULAR
208 Title Loans
208 Title Loans
Features
  • M-F: 10am - 6pm
  • Sat: 10am - 3pm
  • Closed Sun
  • 208titleloan.com
Location
8700 Fairview Ave.
Boise, ID 83704
(208) 577-2777
#2
Freedom Title Loans
Freedom Title Loans
Features
  • M-F: 10am - 6pm
  • Sat: 10am - 2pm
  • Closed Sun
  • freedomtitleloans.com
Location
6927 W. Fairview Ave.
Boise, ID 83704
(208) 505-8966
#3
Ideal Lending
Ideal Lending
Features
  • M-Th: 10am - 6pm
  • F: 10am - 7pm
  • Sat: 10am - 3pm
  • Closed Sun
  • boisetitleloan.com
Location
4213 W. Chinden Blvd.
Garden City, ID 83714
(208) 336-5626
Idaho Title Loans
Idaho Title Loans
Features
  • M&F: 10am - 7pm
  • T-Th: 10am - 6pm
  • Sat: 9am - 4pm
  • Closed Sun
  • idahotitleloansinc.com
Location
7827 Fairview Ave.
Boise, ID 83704
(208) 321-1909
Northwest Title Loans
Northwest Title Loans
Features
  • M-F: 10am - 6pm
  • Sat: 9am - 2pm
  • Closed Sun
  • northwesttitleloans.net
Location
7046 Fairview Ave.
Boise, ID 83704
(208) 321-9390
Brennart Title Solutions
Brennart Title Solutions
Features
  • M-F: 6:30am - 10pm
  • Sat: 6:30am - 5pm
  • Closed Sun
  • boisetitlelender.com
Location
1095 N. Sable Ln.
Boise, ID 83704
(208) 425-1300
Murdoch Finance Company
Murdoch Finance Company
Features
  • M-F: 9am - 5:30pm
  • Closed Sat and Sun
  • carloansboise.com
Location
383 N. Orchard St.
Boise, ID 83706
(208) 615-5598

How to get a title loan in Boise

Boise skyline

Title loans in Boise have many benefits: a quick application process, no need for good credit and same-day funds. All you generally need is a vehicle and a clean title. If you are approved you hand the title over to the lender, get your cash and repay the loan within 30 days.

Still, there are drawbacks: high rates and fees and the risk of losing the vehicle if you default, or fail to repay. Because of the interest costs and the threat of losing a valuable possession, you might first consider other options, like borrowing from a friend or family member or getting an unsecured loan from a bank or credit union.

If you do decide to look at car title loans in Boise, be familiar with basic title lending rules in Idaho:

  • A borrower must be 18 or older.
  • The amount of the loan cannot exceed the retail value of the vehicle.
  • Title loan terms must be 30 days or fewer but can be renewed automatically.
  • There is no cap on interest rates or fees.

The amount a title loan company in Boise will lend you depends on the value of your vehicle. An advantage of choosing a title loan over a payday loan is you may be able to borrow more; payday loans in Idaho are limited to $1,000 or less.

Most applications for title loans in Boise are done in person. You may be able to start by filling out information on a company’s website, but you likely will need to bring in the vehicle for an appraisal. Be sure to have these things ready:

  • Government-issued ID
  • Vehicle and clean vehicle title in your name
  • Proof of income
  • Proof of residence
  • Proof of insurance

If you are approved, the entire process can take as little as 30 minutes. Same-day cash is available at most title loan companies in Boise.

Before you sign the loan documents, though, don’t forget to review the terms carefully, including the interest amount and annual percentage rate and all other fees. Take note of when payment is due and how to make it.

Keep in mind that if the due date passes and you are unable to repay the loan, the title lender can’t take possession of your vehicle immediately; Idaho law requires the company to send a “Notice to Cure Default” giving you an additional 10 days to meet your financial obligation.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgment or subject matter expert’s judgment. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.