Best Personal Loan Rates in Boise, Idaho (ID) - May 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 Boise, Idaho include: CAPITAL EDUCATORSCAPITAL EDUCATORS12195 W McMillan Rd, Boise, ID, 83713 2475A5.0 ★Texas Ratio: 7.10% offering Educator Loan at 4.00% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union10440 W Ustick Rd, Boise, ID, 83704 5268A5.0 ★Texas Ratio: 11.38% offering Construction Loan at 6.38% APR, 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, Connections Credit UnionConnections Credit Union249 N 9th St, Boise, ID, 83702 5710A5.0 ★Texas Ratio: 10.96% offering Signature Loans at 8.25% APR, and TruGrocer Federal Credit UnionTruGrocer Federal Credit Union501 E Highland St, Boise, ID, 83706 6518A+5.0 ★Texas Ratio: 2.15% offering Personal Loan at 9.00% APR. Personal loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Boise has 6 local institutions in our database, with personal loan rates as low as 4.00% APR from CAPITAL EDUCATORS at 12195 W McMillan Rd, Boise, ID, 83713 2475. Use the tabs below to compare all available personal loan types. 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 Boise, Idaho.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Boise, 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
$1,501 - $3,000
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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.
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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.
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Boise, ID Personal Loan Rate Trends
Compare local Boise, ID 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 rose 0.211 points over the past 7 days to 10.994% APR.
Idaho signature loan rates rose 0.260 points over the past 7 days to 11.942% APR.
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 Boise, Idaho?
What are the best personal loan rates in Boise, Idaho?
- CAPITAL EDUCATORS: 4.00% (Educator Loan)
- Mountain America Federal Credit Union: 6.38% (Construction Loan)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Connections Credit Union: 8.25% (Signature Loans)
- TruGrocer Federal Credit Union: 9.00% (Personal Loan)
Personal Loan Calculators
