Best Personal Loan Rates in Idaho (ID) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Idaho borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Idaho include: CAPITAL EDUCATORSCAPITAL EDUCATORS12195 W McMillan Rd, Boise, ID, 83713 2475A5.0 ★Texas Ratio: 7.10% offering Educator Loan at 4.00% APR, Northwest Christian Credit UnionNorthwest Christian Credit Union716 E COLORADO AVE, NAMPA, ID, 83686A+5.0 ★Texas Ratio: 4.47% offering Church/ Ministry Loans at 6.25% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union3511 S 25th E, Ammon, ID, 83406 6101A5.0 ★Texas Ratio: 11.38% offering Construction Loan at 6.38% APR, Numerica Credit UnionNumerica Credit Union465 W Bosanko Ave, Coeur D Alene, ID, 83815A+5.0 ★Texas Ratio: 2.80% offering Toy Loans1 at 6.74% APR, and America First Federal Credit UnionAmerica First Federal Credit Union11292 W Fairview Ave, Boise, ID, 83713A5.0 ★Texas Ratio: 8.12% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR. Personal loan rates as of May 2, 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: May 2, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID, 83713 2475
Educator Loan
4.00%
▼
APR4.00%
Last UpdatedMay 3, 2026
Details
$1,501 - $3,000
Northwest Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
716 E COLORADO AVE, NAMPA, ID, 83686
Church/ Ministry Loans
6.25%
▼
APR6.25%
Last UpdatedMay 3, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
3511 S 25th E, Ammon, ID, 83406 6101
Construction Loan
6.38%
▼
APR6.38%
Last UpdatedMay 3, 2026
Details
As Low As; Construction
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID, 83815
Toy Loans1
6.74%
▼
APR6.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedMay 3, 2026
Details
As Low As; Variable
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedMay 3, 2026
Details
As Low As; Variable
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedMay 3, 2026
Details
As Low As; Variable
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedMay 3, 2026
Details
As Low As; Fixed
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedMay 3, 2026
Details
As Low As; Fixed
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedMay 3, 2026
Details
As Low As; Fixed
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
Signature Loans
8.25%
▼
APR8.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID, 83854
Signature/Unsecured
8.90%
▼
APR8.90%
Last UpdatedMay 3, 2026
Details
As Low As; Up to 60 months & $10,000 max per member
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Holiday Loan***
8.99%
▼
APR8.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 3, 2026
Details
As Low As; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
501 E Highland St, Boise, ID, 83706 6518
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 3, 2026
Details
As Low As; Terms from 6 to 60 months
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
129 S 9th St, St Maries, ID, 83861
Personal
9.49%
▼
APR9.49%
Last UpdatedMay 3, 2026
Details
As Low As
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedMay 3, 2026
Details
No additional details available.
Snake River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
2361 Orchard Dr E, Twin Falls, ID, 83301 7987
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 3, 2026
Details
As Low As
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1626 17th St, Lewiston, ID, 83501
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMay 3, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 3, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMay 3, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID, 83501
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
As Low As
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Consolidation Loans
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
As Low As; APR = Annual Percentage Rate. **Monthly payments determined by loan amount, term, and APR. All loans, rates, and terms are subject to credit approval and creditworthiness, are subject to change at any time, and must meet Cutting Edge Federal Credit Union lending policies.
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Personal
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 3, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Personal Loan
11.25%
▼
APR11.25%
Last UpdatedMay 3, 2026
Details
As Low As
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID, 83401 4080
Lifestyle Loan
11.49%
▼
APR11.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMay 3, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Personal Loan
11.75%
▼
APR11.75%
Last UpdatedMay 3, 2026
Details
As Low As
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID, 83713 2475
Signature Loan
11.84%
▼
APR11.84%
Last UpdatedMay 3, 2026
Details
As Low As
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID, 83401 4080
Lifestyle Loan
11.99%
▼
APR11.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMay 3, 2026
Details
As Low As
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
Signature Loans
12.25%
▼
APR12.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID, 83402 1506
Signature Loan
12.29%
▼
APR12.29%
Last UpdatedMay 3, 2026
Details
As Low As; Regular APR: 17.99%
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID, 83713 2475
Personal Lines of Credit
12.45%
▼
APR12.45%
Last UpdatedMay 3, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
PERSONAL
12.49%
▼
APR12.49%
Last UpdatedMay 3, 2026
Details
As Low As; Fixed
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Personal Loan
12.75%
▼
APR12.75%
Last UpdatedMay 3, 2026
Details
As Low As
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID, 83401 4080
Lifestyle Loan
12.99%
▼
APR12.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
555 N 5th Ave, Pocatello, ID, 83201
Signature
12.99%
▼
APR12.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMay 3, 2026
Details
As Low As
SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
555 N 5th Ave, Pocatello, ID, 83201
Signature
13.99%
▼
APR13.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
Signature Loan
13.99%
▼
APR13.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
Signature Loans
14.25%
▼
APR14.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
555 N 5th Ave, Pocatello, ID, 83201
Signature
14.99%
▼
APR14.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID, 83854
RESCU FIRST LOAN
15.00%
▼
APR15.00%
Last UpdatedMay 3, 2026
Details
As Low As
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Holiday Loan***
16.00%
▼
APR16.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Personal
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Quick Loan
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
APR = Annual Percentage Rate. $20 Quick Loan Application Fee and automatic savings deposit required. Borrowers may only have one Quick Loan at any time, and no more than three in a six-month rolling period. Terms and conditions apply.
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Quick Loan* (Payday Loan Alternative)
18.00%
▼
APR18.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Signature Rewards
18.49%
▼
APR18.49%
Last UpdatedMay 3, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 3, 2026
Details
As Low As; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
501 E Highland St, Boise, ID, 83706 6518
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMay 3, 2026
Details
As Low As; Terms from 6 to 60 months
Snake River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
2361 Orchard Dr E, Twin Falls, ID, 83301 7987
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 3, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 3, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMay 3, 2026
Details
As Low As
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID, 83501
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 3, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Personal Loan
11.25%
▼
APR11.25%
Last UpdatedMay 3, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMay 3, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Personal Loan
11.75%
▼
APR11.75%
Last UpdatedMay 3, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMay 3, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Personal Loan
12.75%
▼
APR12.75%
Last UpdatedMay 3, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMay 3, 2026
Details
As Low As
Powered by
MonitorBankRates
No debt consolidation personal loan rates found in Idaho currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
Signature Loans
8.25%
▼
APR8.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID, 83854
Signature/Unsecured
8.90%
▼
APR8.90%
Last UpdatedMay 3, 2026
Details
As Low As; Up to 60 months & $10,000 max per member
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedMay 3, 2026
Details
No additional details available.
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1626 17th St, Lewiston, ID, 83501
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMay 3, 2026
Details
As Low As
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID, 83713 2475
Signature Loan
11.84%
▼
APR11.84%
Last UpdatedMay 3, 2026
Details
As Low As
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
Signature Loans
12.25%
▼
APR12.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID, 83402 1506
Signature Loan
12.29%
▼
APR12.29%
Last UpdatedMay 3, 2026
Details
As Low As; Regular APR: 17.99%
SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
555 N 5th Ave, Pocatello, ID, 83201
Signature
12.99%
▼
APR12.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
555 N 5th Ave, Pocatello, ID, 83201
Signature
13.99%
▼
APR13.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
Signature Loan
13.99%
▼
APR13.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
Signature Loans
14.25%
▼
APR14.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
555 N 5th Ave, Pocatello, ID, 83201
Signature
14.99%
▼
APR14.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
Signature Loan
15.99%
▼
APR15.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Signature Rewards
18.49%
▼
APR18.49%
Last UpdatedMay 3, 2026
Details
As Low As
Powered by
MonitorBankRates
No home improvement personal loan rates found in Idaho currently.
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.
Personal Loan — ID Avg
10.994%
▲ 0.211 vs 7 days ago
Idaho personal loan rates rose 0.211 points over the past 7 days to 10.994% APR.
Signature Loan — ID Avg
11.942%
▲ 0.260 vs 7 days ago
Idaho signature loan rates rose 0.260 points over the past 7 days to 11.942% APR.
As of May 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Idaho?
Most lenders in Idaho require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Idaho often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Idaho require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Idaho?
Yes. Debt consolidation is one of the most common uses of personal loans in Idaho. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Idaho?
Credit unions in Idaho often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Idaho?
- CAPITAL EDUCATORS: 4.00% (Educator Loan)
- Northwest Christian Credit Union: 6.25% (Church/ Ministry Loans)
- Mountain America Federal Credit Union: 6.38% (Construction Loan)
- Numerica Credit Union: 6.74% (Toy Loans1)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Idaho. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026.
