Best Personal Loan Rates in Idaho - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Idaho include: CAPITAL EDUCATORSCAPITAL EDUCATORS12195 W McMillan Rd, Boise, ID, 83713 2475A5.0 ★Texas Ratio: 10.63% offering Educator Loan at 4.00% APR, Snake River Federal Credit UnionSnake River Federal Credit Union2361 Orchard Dr E, Twin Falls, ID, 83301 7987A+5.0 ★Texas Ratio: 2.84% offering Recreational Loan at 4.39% APR, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union855 University Blvd, Rexburg, ID, 83440A+5.0 ★Texas Ratio: 1.97% offering 36 Months Loan at 4.49% APR, Rogue Credit UnionRogue Credit Union216 N Plymouth Ave, New Plymouth, ID, 83655A+5.0 ★Texas Ratio: 4.58% offering 36 Month Loan at 4.49% APR, and D. L. Evans BankD. L. Evans Bank375 N Overland Ave, Burley, ID, 83318A+5.0 ★Texas Ratio: 1.95% offering 36 Months Loan at 4.99% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Idaho side-by-side. Idaho personal loan rates currently start as low as 4.00% APR from CAPITAL EDUCATORS at 12195 W McMillan Rd, Boise, ID, 83713 2475. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Idaho.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Idaho. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: July 6, 2026
Idaho Personal Loan Rates
Loan Amount: $1,501 - $3,000
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As Low As; Interest Rate: 6.5%
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As Low As; *APR = ANNUAL PERCENTAGE RATE. RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
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Convenient personal lending. Loan rate based on terms. See Notes and Fees for details.
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Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
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Idaho Personal Loan Rates
As Low As; *APR = ANNUAL PERCENTAGE RATE. RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
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Convenient personal lending. Loan rate based on terms. See Notes and Fees for details.
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Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
As Low As; Financing up to $30,000
Idaho Debt Consolidation Loan Rates
Idaho Signature Loan Rates
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Idaho Personal Loan Rate Trends
Compare local Idaho personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Idaho personal loan rates currently average 10.870% APR.
Idaho signature loan rates currently average 12.905% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Idaho personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Idaho directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Idaho. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in ID.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Idaho?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Idaho?
Are credit unions or banks better for personal loans in Idaho?
What are the best personal loan rates in Idaho?
- CAPITAL EDUCATORS: 4.00% (Educator Loan)
- Snake River Federal Credit Union: 4.39% (Recreational Loan)
- Goldenwest Federal Credit Union: 4.49% (36 Months Loan)
- Rogue Credit Union: 4.49% (36 Month Loan)
- D. L. Evans Bank: 4.99% (36 Months Loan)
