FAQ

General

About Teton Financial

How long has Teton Financial been in business in Idaho Falls, ID?

Our doors opened in 2002 and we have been providing an option for people with less than perfect credit ever since.

Will I talk to the same representative when I come into Teton Financial or call?

Yes, Jane has been with the company since 2005 and Kaylynn is always happy to help as well. We take pride on giving exceptional customer service.

We are locally owned and operated and strive to provide a better alternative to high interest payday and title loans.

Credit Scores

How long do I have to pay back a loan before it affects my credit score?

We report to the credit bureau every month. Your credit score should start to improve immediately. Regular, on time monthly payments will boost your credit score. Aim to make six on time, monthly payments to really see an improvement.

Loans

Personal Loans

How do Teton Financial personal installment loans work?

We can loan $500-$1,500 unsecured based on your application and stability. Your payments are on a set, monthly installment term until your loan is paid in full. You have a fixed interest rate without any pre-payment penalties.

Can I get a personal loan from Teton Financial if my credit is not perfect?

Yes. Depending on stability and your application however, we may require collateral.

Does Teton Financial check my credit score when I apply for a personal Loan?

Yes. We also verify employment.

What is the difference between a personal loan and a typical title loan?

A personal loan is unsecured where a title loan is secured with your vehicle title or other titled asset.

Title Loans

What is a title loan?

A typical title loan charges 400% interest. We do not. Our rates are reasonable and affordable. If you have a title loan, we can refinance and save you money!

How do I go about getting a title loan/secured loan through Teton Financial?

Applying is easy! You can apply over the phone, in person or online. We can take your application right over the phone usually with same day funding.

What do I need to bring?

Usually, you need a state issued driver's license, proof of income and address, title, spare key and proof of insurance.

How long does it take to get a title loan?

Provided we have all the information we need, we can generally give you an answer within about an hour.

Loans for Debts

What can be done about unsecured debt consolidation?

A debt consolidation loan is a way to simplify your monthly payments.

Is a consolidation loan a better option for debt relief?

That depends on your unique situation. We would love to help walk you through your available options.

How I do I make a payment for my loan?

You can pay in the office or online. We accept cash, checks, money orders, Visa, Mastercard and Discover payments. You can also set up an automatic, monthly withdrawal for your payment.