Welcome to Our Online Loan Referral Service

4.4 5 reviews
Loan agency in Ponderay, Idaho

675 Kootenai Cutoff Rd Ste E, Ponderay, ID 83852, USA
+1 (208) 263-5585

Domain Info

Created Date


Mailing Address

1901 GATEWAY DR STE 200, IRVING, TX, 75038-2425, United States

Company Name

Cottonwood Financial

Cottonwood Financial

Contact Data




Feedback about Cash Store?

Here you read the feedback of our clients.

Very friendly staff.

Heloise Streich

Super friendly and very helpful!

Ms. Ana Lemke

It always feels nice to walk in and be greeted with smiles.

Noble Rosenbaum

Our questions were all answered, and the process was a piece of cake!

Horace Kshlerin

As they walked out, her husband was completely covered in dog hair!!!

Dr. Raul Abbott DDS

Fast friendly staff.

Mr. Bennett Barton

Yenni ty for making my tax experience a breeze.

Prof. Clementine Rosenbaum

I highly recommend her to family and friends.

Violet Schiller

I will definitely go back next year.

Mariela Kub

She does an amazing job with communication and explanation.

Prof. Connie Kulas Jr.

Great at explaining our options in a professional manner, friendly and kind.

Miller Walsh

I thank her sooo much for being there for me from start to finish..

Kameron Bayer II

Best place to do taxes by far.

Elna Ward

Shanon was a great help, she answered question I had.

Zechariah Bernier

Great service at great rate!

Quinten Schulist

Better than a payday loan. The process was fast and the service is very reasonable. I would recommend this company and their service.

Prof. Gayle Streich

Simple process. Lower rates than other payday loans and more manageable payments. Totally legit. I would recommend to anyone.

Mrs. Lucie Leannon

Very easy and amazing app. Your loan goes in right to your account, and they always can work with you in the dates you can pay. Also customer service is amazing .

Lula DuBuque V

Lots of wonderful people work here helping lots of people.

Hailie Schamberger

So thankful for this place!

Andreanne Bins

Very helpful and kind employees.

Else Ratke

Pay Attention

Further there will be presented the details about not a definite lending company. The information below will tell about general information about payday loans and its specific elements.

Payday Loans in Ponderay, Idaho

According to the definiftion, a payday loan is a loan issued for a short period: 2-3 weeks. A small loan is approved: $100-$1,000.

It is easy and fast to take out loans in Ponderay, Idaho. The rates are set on an individual basis: if a customer repays as much loans as possible, she will be offered one of the most efficinet terms and rates.



Max Loan

$1,000 (or 25% of gross monthly income)

Min Term

Not Specified

Max Term

Not Specified

How will Cash Store help take out a payday loan in Ponderay, Idaho?

  • Round the clock service. Every customer may contact the service round the clock. The borrowed funds will be transfered to bank account. You won't be asked to attend any store.
  • No certificates necessary. The list of certificates to get an approval is minimum. You need only an ID. A income certificate is not required.
  • Online application. You have to fill in an online application only. It will be considered within minutes. The funds are credited in 24 business hours.
  • Fast and high approval percentage. The positive offer counts almost 98%.
  • Accessibility. Not all customers are able to take out a loan at banks. Age and bad credit may prevent from issuing a loan. Minor delays and low score won't be a hindrance to issue a loan from online lenders.

What data to fill in in the application? - General Info

To submit an application, every customer should enter the following data:

Loan Amount, Loan Purpose, Email Address
First Name, Last Name, Date Of Birth, Primary Phone Number, Driver's License Number, Your SSN
Zip Code, Street Address
How often do you get paid?, Next Paydate, Type of Account, How do you get paid?
Your Income Source, Are you in the military?, Your Employer Name, Your Monthly Net Income, Your Employer Phone Number
If you have $10,000+ in unsecured debt and would like one of our partners to contact you?, What`s your approximate credit rating?
Select your Bank, Select your Bank’s State, ABA/Routing Number, Account Number

After filling out an application, submit it and get the decision.

Why people issue payday loans?


Utility Bills


Healthcare Bills




Car Repair



What data to fill out in the application? - General Info

Bad credit history is a adverse factor that is considered by financial institutions. Lenders in Ponderay, id consider this circumstance not a hindrence to issue a loan. The borrower of a loan should be prepared to objectively estimate financial capabilities, take out a loan, pay back the debt on time and not only cope with current issues, but enhance the credit rating.

The following common points will be estimated before applying for a loan:

  • be at least 18 years old;
  • be a U.S. citizen;
  • be employed and have a reliable source of income;
  • have a checking account;
  • have a valid email address and phone number.

Rate Your Credit Score

Low Rate


Lower than Average


  • No way to issue a loan
  • No ability to rent a room
Average Rate


High Rate


  • 80% of loan approval
  • Apply for all loan types
Great Score


Perfect Score


  • 95% of loan approval
  • Apply for all loans incl. mortgage

Rate your APR

This calculator is meant for calculating the annual percentage rate. This is a definite cost of the loan.

APR Calculator

Other Payday Lenders in Ponderay, Idaho

First Interstate Bank

4128 N Adams St, Garden City, ID 83714, USA

+1 (208) 386-9902


Advantage Plus Federal Credit Union

2133 E Center St, Pocatello, ID 83201, USA

+1 (208) 232-7711


Mountain West Bank

1539 E Iron Eagle Dr, Eagle, ID 83616, USA

+1 (208) 938-8472


Northwest Farm Credit Services

2631 Nez Perce Dr Ste 201, Lewiston, ID 83501, USA

+1 (208) 799-4800


Idaho First Bank

343 Caldwell Blvd, Nampa, ID 83651, USA

+1 (208) 854-8180


Check `n Go

732 Caldwell Blvd Ste B, Nampa, ID 83651, USA

+1 (208) 463-8900


Horizon Credit Union

12598 W Explorer Dr, Boise, ID 83713, USA

+1 (800) 852-5316


WaFd Bank

603 Shoup St, Salmon, ID 83467, USA

+1 (208) 756-4911


World Finance

1029 E Kuna Rd #123, Kuna, ID 83634, USA

+1 (208) 922-5002