Best Personal Loan Rates in Boise, Idaho (ID) - April 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, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union355 S 3rd St, Boise, ID, 83702 7689A+5.0 ★Texas Ratio: 2.10% offering Lot Loan Special 1-year balloon at 5.89% APR, Banner BankBanner Bank950 W Bannock St, Boise, ID, 83702A+5.0 ★Texas Ratio: 1.69% offering QuickStep Equipment Loan at 6.29% 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, and 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 7.25% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Boise has 11 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: April 9, 2026
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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 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.
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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.
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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 credit history and underwriting criteria. Rates updated daily.
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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; Up to 60 months & $10,000 max per member
As Low As; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.
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Loan Amount: $7,500.00 - $50,000.00; Effective Date: 04/01/2026
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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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As Low As; Regular APR: 17.99%
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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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As Low As; Terms from 6 to 60 months
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; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.
Loan Amount: $7,500.00 - $50,000.00; Effective Date: 04/01/2026
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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 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.
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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 credit history and underwriting criteria. Rates updated daily.
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As Low As; Up to 60 months & $10,000 max per member
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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 0.366 points over the past 7 days to 10.992% APR.
Idaho signature loan rates rose 0.503 points over the past 7 days to 11.624% 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)
- Goldenwest Federal Credit Union: 5.89% (Lot Loan Special 1-year balloon)
- Banner Bank: 6.29% (QuickStep Equipment Loan)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Mountain America Federal Credit Union: 7.25% (Construction loan)
Personal Loan Calculators
