ID · LOAN-AGMT · Updated July 2026 · Free
Idaho Loan Agreement
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Idaho at a glance: Default Interest: 12% (if not written) · Maximum Written: No limit (must be written) · Governing Law: Idaho Code Title 28
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Overview
Loan Agreements in Idaho
Idaho has no statutory limit on interest rates if the rate is written and agreed to in a signed contract (Idaho Code § 28-22-104).
Key Facts
Idaho Loan Agreement — Quick Reference
| Requirement | Idaho Rule |
|---|---|
| Default Interest | 12% (if not written) |
| Maximum Written | No limit (must be written) |
| Governing Law | Idaho Code Title 28 |
Legal Requirements
Idaho Legal Requirements
- Interest rates above 12% must be specified in writing.
Governing Laws
Idaho Governing Laws
Read the full text of these laws at Cornell Law School's Idaho legal resources or your state legislature's official website.
Questions & Answers
Idaho Loan Agreement — Frequently Asked Questions
What is the default contract interest rate in Idaho?
12% per year unless agreed in writing.