See real Idaho personal loan rates by credit score and loan length, updated weekly. See rates and best rated lenders in Idaho’s main cities and statewide.
Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
<< Human Powered Recommendations from Idaho’s Personal Loan Borrowers >>
Idaho Personal Loan Rates –
Find personal loan rates by credit score and loan length on Idaho. National, banks, credit unions, online lenders rates are for a 36 months terms. Rates are community provided by Idaho borrower who received a quote(s) or applied for a loan in the last 30 days.
| Credit Score | ||||
|---|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | 560 - 619 | |
| Nationally | 11.35% | 14.12% | 18.95% | 22.45% |
| Idaho | 11.47% | 14.14% | 18.97% | 22.47% |
| Credit Unions | 10.05% | 12.72% | 17.55% | 21.05% |
| Online lenders | 10.97% | 14.14% | 20.47% | 26.47% |
| Banks | 11.47% | 14.14% | 18.97% | 22.47% |
| 24 month | 10.81% | 13.48% | 18.31% | 21.81% |
| 36 month | 11.47% | 14.14% | 18.97% | 22.47% |
| 48 month | 11.97% | 14.64% | 19.47% | 22.97% |
| 60 month | 12.47% | 15.14% | 19.97% | 23.47% |
Source: MFP’s Community Personnal Loan Rates Survey from the last 30 days.
Idaho Best Personal Loan Lenders
Boise, Meridian, Nampa, Idaho Falls, Pocatello, Caldwell, Coeur d’Alene, Twin Falls, Online.
Idaho Personal Loans Lenders Satisfaction
Performance and satisfaction of personal loan lenders across Idaho by types of lenders.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Support & Guidance | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.70 | 4.67 | 4.72 | 93.5% |
| Community Banks | 4.37 | 4.35 | 4.45 | 87.3% |
| Online Lenders | 4.65 | 4.45 | 4.55 | 87.5% |
| Banks | 4.19 | 4.14 | 4.20 | 82.8% |
Source: MFP’s Community Survey of Personal Loan Lenders by State and Cities.
Recommendations are gathered from 1,426 local Idaho residents who got a quote or applied for a personal loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, support & guidance, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your personal loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed for your quote, or speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
Boise Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Boise’s area are Idaho Central Credit Union, CapEd Credit Union and Mountain America Credit Union.
- Idaho Central Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Boise branch service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- CapEd Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Mountain America Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight convenient branch access, friendly service and useful loan guidance, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| CapEd Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Goldenwest Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Clarity Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Westmark Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Les Bois Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Global Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 88% |
| Idaho First Bank | Community Bank | 4.4 | 4.3 | 4.4 | 87% |
| First Interstate Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| D.L. Evans Bank | Community Bank | 4.3 | 4.2 | 4.3 | 85% |
| Hillcrest Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| WaFd Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Meridian Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Meridian’s area are Idaho Central Credit Union, CapEd Credit Union and Mountain America Credit Union.
- Idaho Central Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Meridian-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- CapEd Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Mountain America Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight convenient branch access, friendly service and useful loan guidance, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| CapEd Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Clarity Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Westmark Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Idaho First Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Interstate Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| D.L. Evans Bank | Community Bank | 4.3 | 4.2 | 4.3 | 85% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Nampa Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Nampa’s area are Idaho Central Credit Union, Clarity Credit Union and CapEd Credit Union.
- Idaho Central Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Nampa-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Clarity Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- CapEd Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful loan guidance and convenient local access, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Clarity Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| CapEd Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Westmark Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| D.L. Evans Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Interstate Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| WaFd Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Idaho Falls Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Idaho Falls’s area are Idaho Central Credit Union, Westmark Credit Union and Beehive Federal Credit Union.
- Idaho Central Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Idaho Falls-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Westmark Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Beehive Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Westmark Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Beehive Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| East Idaho Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Lookout Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| D.L. Evans Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Bank of Idaho | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Zions Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Pocatello Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Pocatello’s area are Idaho Central Credit Union, Lookout Credit Union and Westmark Credit Union.
- Idaho Central Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Pocatello-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Lookout Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Westmark Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Lookout Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Westmark Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| East Idaho Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| D.L. Evans Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Bank of Idaho | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Zions Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Caldwell Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Caldwell’s area are Idaho Central Credit Union, Clarity Credit Union and CapEd Credit Union.
- Idaho Central Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Caldwell-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Clarity Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- CapEd Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful loan guidance and convenient Treasure Valley access, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Clarity Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| CapEd Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Mountain America Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Westmark Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| D.L. Evans Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| WaFd Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Coeur d’Alene Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Coeur d’Alene’s area are Numerica Credit Union, STCU and Idaho Central Credit Union.
- Numerica Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Coeur d’Alene-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- STCU ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Idaho Central Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Numerica Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| STCU | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Idaho Central Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| P1FCU | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Mountain West Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| bankcda | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| WaFd Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Twin Falls Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Twin Falls’s area are Idaho Central Credit Union, Westmark Credit Union and First Federal Savings Bank.
- Idaho Central Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Twin Falls-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Westmark Credit Union ranks second with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its strong application and support scores.
- First Federal Savings Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight accessible local branches, practical loan help and dependable service, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Westmark Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| First Federal Savings Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| D.L. Evans Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Interstate Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Zions Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Idaho Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Idaho’s area are Idaho Central Credit Union, Clarity Credit Union and CapEd Credit Union.
- Idaho Central Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Borrower feedback supports its top position because customers point to easy online loan access, competitive personal loan options, and helpful service during the borrowing process.
- Clarity Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its strong ranking because customers highlight straightforward online application access, clear loan choices, and useful help when applying.
- CapEd Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance, tying the highest Support & Guidance score among the top 3.
- Borrower feedback supports its top-3 placement because customers point to helpful lending support, clear personal loan terms, and convenient digital access.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Idaho Central Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Clarity Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 95% |
| CapEd Credit Union | Credit Union | 4.7 | 4.7 | 4.8 | 94% |
| Westmark Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 93% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 92% |
| Pioneer Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 91% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 90% |
| Connections Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 88% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 87% |