Best Personal Loan Rates in Idaho - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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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, 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, 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, and Horizon Credit UnionHorizon Credit Union520 5th Ave, Sandpoint, ID, 83864 1519A+5.0 ★Texas Ratio: 1.46% offering Momentum Introductory Rate Loan at 4.99% APR. Personal loan rates as of July 25, 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 25, 2026
Idaho Personal Loan Rates
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As Low As
As Low As
As Low As
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As Low As
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As Low As
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For 3 months; For 3 months
As Low As
As Low As; The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
As Low As
Adjustable Rate Mortgage Loans: Owner Occupied
As Low As; The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
As Low As
No additional details available.
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As Low As; The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
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As Low As
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As Low as; Apply Now
As low as
As Low As; Fixed
As Low As; Fixed
As Low As; Fixed
Home Equity 'Line of Credit' Loans; (Prime Rate is 6.75% -- For Rates & More Information Call 707-965-2483)
Home Equity 'Line of Credit' Loans; (Prime Rate is 6.75% -- For Rates & More Information Call 707-965-2483)
As low as; As low as
As low as; As low as
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Fixed
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
As low as; As low as
As low as; As low as
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
No additional details available.
APR as low as 90% financing
As Low As; 90% financing
As Low As; 90% financing
APR as low as 90% financing
APR as low as 90% financing
APR as low as 90% financing
APR as low as 90% financing
APR as low as 100% financing
APR as low as 100% financing
APR as low as 100% financing
APR as low as 100% financing
As Low As; 100% financing
As Low As; 100% financing
APR as low as 100% financing
As Low As; 90% financing
As Low As; 90% financing
As Low As; 90% financing
As Low As; 100% financing
As Low As; 100% financing
As Low As; 100% financing
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APR as low as 90% financing
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
As Low As; $10,000 max per member
APR as low as 100% financing
No additional details available.
As Low As
As low as
As Low As
As low as
As Low As
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
As Low As
Financing (up to) $30,000
Convenient personal lending. Loan rate based on terms.
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
As Low As; 60 Month Term
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No additional details available.
Financing (up to) $30,000
As Low As; 11.00% to 17.75% APR/OAC
As Low As; variable rate; Regular APR: 11.24%
As Low As
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No additional details available.
As Low As
As Low As
Financing (up to) $30,000
As Low As; 11.50% to 18.25% APR/OAC
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
11.90% - 26.15% APR/OAC
As Low As; Fixed rate, terms up to 60 months available depending on credit score and amount financed. Rate shown applies to Personal Unsecured, Autos, Boats and RVs 2016 or older model year vehicles or vehicles valued at under $10,000 and Cycle Products 2021 or older model year vehicles. OAC. APR = Annual Percentage Rate. Loan rates are available on approved credit. Loan rates are subject to change without notice. Rates displayed are the lowest available to qualified borrowers. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance, and your credit history. Secured and Unsecured Loans are available. Qualified borrowers can receive financing for personal loan needs including Dental, Vision, Cosmetics Procedures, Computers, Lawn Tractors, Older Autos, Snowmobiles, ATVs, Boats and RVs.
No additional details available.
Financing (up to) $30,000
As Low As; 12.00% to 18.75% APR/OAC
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
No additional details available.
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After that, your APR will vary with the market based on the prime rate. Your rate is based on your credit qualification and the VISA Credit Card that you select.
As Low As
Fixed
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Financing (up to) $30,000
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As Low As; variable rate; Regular APR: 13.24%
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As Low As
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As Low As
As Low As; variable rate; Regular APR: 17.24%
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Idaho Personal Loan Rates
As Low as; Apply Now
As Low As; RATE BASED ON CREDITWORTHINESS AND TERM OF LOAN. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.
As low as
As low as
As Low As
Financing (up to) $30,000
Convenient personal lending. Loan rate based on terms.
No additional details available.
No additional details available.
As Low As; 60 Month Term
Financing (up to) $30,000
As Low As; 11.00% to 17.75% APR/OAC
Financing (up to) $30,000
As Low As; 11.50% to 18.25% APR/OAC
Financing (up to) $30,000
As Low As; 12.00% to 18.75% APR/OAC
Fixed
No additional details available.
Financing (up to) $30,000
Idaho Debt Consolidation Loan Rates
Idaho Signature Loan Rates
As Low As; $10,000 max per member
As Low As
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
As Low As
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
No additional details available.
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. Rates updated daily.
No additional details available.
No additional details available.
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No additional details available.
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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 10.684% APR.
Idaho signature loan rates currently average 11.186% 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)
- Rogue Credit Union: 4.49% (36 Month Loan)
- Goldenwest Federal Credit Union: 4.49% (36 Months Loan)
- Horizon Credit Union: 4.99% (Momentum Introductory Rate Loan)
