Best Personal Loan Rates in Caldwell, 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 Caldwell, Idaho include: CAPITAL EDUCATORSCAPITAL EDUCATORS2613 Cleveland Blvd, Caldwell, ID, 83605A5.0 ★Texas Ratio: 7.10% offering Educator Loan at 4.00% APR, Clarity Credit UnionClarity Credit Union708 N 21st Ave, Caldwell, ID, 83605 4358A5.0 ★Texas Ratio: 9.81% offering Personal Loans at 10.00% APR, Idaho Central Credit UnionIdaho Central Credit Union4821 Cleveland Blvd, Caldwell, ID, 83605A+5.0 ★Texas Ratio: 4.09% offering Signature Loans 12 Months at 10.04% APR, Rogue Credit UnionRogue Credit Union5213 Cleveland Blvd, Caldwell, ID, 83607 8005A+5.0 ★Texas Ratio: 5.00% offering Personal Loan at 12.75% APR, and Goldenwest Federal Credit UnionGoldenwest Federal Credit UnionA+5.0 ★Texas Ratio: 2.10% offering Lot Loan Special 1-year balloon at 5.89% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Caldwell has 4 local institutions in our database, with personal loan rates as low as 4.00% APR from CAPITAL EDUCATORS at 2613 Cleveland Blvd, Caldwell, ID, 83605. 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 Caldwell, Idaho.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Caldwell, 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 11, 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.
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
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; 5-Year fixed rate
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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
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As Low As; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.
As Low As; Terms from 6 to 60 months
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; *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; 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; 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.
As Low As; Terms from 6 to 60 months
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.
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
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
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As Low As; Up to 60 months & $10,000 max per member
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As Low As; Regular APR: 17.99%
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Caldwell, ID Personal Loan Rate Trends
Compare local Caldwell, 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 2.008 points over the past 7 days to 11.005% APR.
Idaho signature loan rates fell 0.001 points over the past 7 days to 11.675% 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 Caldwell, Idaho?
What are the best personal loan rates in Caldwell, Idaho?
- CAPITAL EDUCATORS: 4.00% (Educator Loan)
- Clarity Credit Union: 10.00% (Personal Loans)
- Idaho Central Credit Union: 10.04% (Signature Loans 12 Months)
- Rogue Credit Union: 12.75% (Personal Loan)
- Goldenwest Federal Credit Union: 5.89% (Lot Loan Special 1-year balloon)
Personal Loan Calculators
