Best Personal Loan Rates in Caldwell, Idaho (ID) - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 Caldwell, Idaho include: CAPITAL EDUCATORSCAPITAL EDUCATORS2613 Cleveland Blvd, Caldwell, ID, 83605A5.0 ★Texas Ratio: 7.10% offering Educator Loan at 4.00% 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, Pioneer Federal Credit UnionPioneer Federal Credit Union608 E Ustick Rd, Caldwell, ID, 83605A5.0 ★Texas Ratio: 10.77% offering Signature Loans at 10.79% 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 Numerica Credit UnionNumerica Credit Union465 W Bosanko Ave, Coeur D Alene, ID, 83815A+5.0 ★Texas Ratio: 2.80% offering Loan Length at 4.74% APR. Personal loan rates as of March 24, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Caldwell, Idaho can save you significantly over the life of your loan.
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: March 24, 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%
2613 Cleveland Blvd, Caldwell, ID, 83605
Educator Loan
4.00%
▼
APR4.00%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID, 83605
Signature Loans 12 Months
10.04%
▼
APR10.04%
Last UpdatedMarch 25, 2026
Details
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.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID, 83605
Signature Loans 36 Months
10.74%
▼
APR10.74%
Last UpdatedMarch 25, 2026
Details
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.
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans
10.79%
▼
APR10.79%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans Up to 24 Months
10.79%
▼
APR10.79%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans
11.29%
▼
APR11.29%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans 25 - 36 Months
11.29%
▼
APR11.29%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans
11.59%
▼
APR11.59%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans 37 - 48 Months
11.59%
▼
APR11.59%
Last UpdatedMarch 25, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID, 83605
Signature Loans 72 Months
11.64%
▼
APR11.64%
Last UpdatedMarch 25, 2026
Details
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.
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2613 Cleveland Blvd, Caldwell, ID, 83605
Signature Loan
11.84%
▼
APR11.84%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans
11.89%
▼
APR11.89%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans 49 - 60 Months
11.89%
▼
APR11.89%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans
12.09%
▼
APR12.09%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans 61 - 72 Months
12.09%
▼
APR12.09%
Last UpdatedMarch 25, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID, 83605
Signature Loans 84 Months
12.14%
▼
APR12.14%
Last UpdatedMarch 25, 2026
Details
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.
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2613 Cleveland Blvd, Caldwell, ID, 83605
Personal Lines of Credit
12.45%
▼
APR12.45%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
5213 Cleveland Blvd, Caldwell, ID, 83607 8005
Personal Loan
12.75%
▼
APR12.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
5213 Cleveland Blvd, Caldwell, ID, 83607 8005
Signature Rewards
18.49%
▼
APR18.49%
Last UpdatedMarch 25, 2026
Details
As Low As
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID, 83815
Loan Length
4.74%
▼
APR4.74%
Last UpdatedMarch 25, 2026
Details
Up to 84 months
Boise Fire Department Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
10255 W Hackamore Dr, Boise, ID, 83709
Loans
5.25%
▼
APR5.25%
Last UpdatedMarch 25, 2026
Details
As Low As; Interest Rates on Loans**
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID, 83440
Lot Loan Special 1-year balloon
5.90%
▼
APR5.90%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID, 83815
Loan Length
6.24%
▼
APR6.24%
Last UpdatedMarch 25, 2026
Details
No additional details available.
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 UpdatedMarch 25, 2026
Details
As low as; Annual Percentage Rate
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID, 83440
One-Time Close Construction Loan
6.40%
▼
APR6.40%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID, 83815
Loan Length
6.74%
▼
APR6.74%
Last UpdatedMarch 25, 2026
Details
Up to 84 months
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 UpdatedMarch 25, 2026
Details
As Low As
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 UpdatedMarch 25, 2026
Details
As Low As
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 UpdatedMarch 25, 2026
Details
As Low As
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 UpdatedMarch 25, 2026
Details
As Low As
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 UpdatedMarch 25, 2026
Details
As Low As
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 UpdatedMarch 25, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID, 83440
Construction Loan
7.69%
▼
APR7.69%
Last UpdatedMarch 25, 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
8.25%
▼
APR8.25%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
Solar mart Personal Loan
8.63%
▼
APR8.63%
Last UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 Loans
10.75%
▼
APR10.75%
Last UpdatedMarch 25, 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 UpdatedMarch 25, 2026
Details
As Low As
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Personal
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID, 83815
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
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 UpdatedMarch 25, 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.
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 UpdatedMarch 25, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID, 83440
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMarch 25, 2026
Details
No additional details available.
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Personal Loans
11.25%
▼
APR11.25%
Last UpdatedMarch 25, 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
Life Style Loan
11.49%
▼
APR11.49%
Last UpdatedMarch 25, 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 UpdatedMarch 25, 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 Loans
11.75%
▼
APR11.75%
Last UpdatedMarch 25, 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
Life Style Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 2026
Details
As Low As; Regular APR: 17.99%
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 UpdatedMarch 25, 2026
Details
As Low As; Fixed
Boise Fire Department Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
10255 W Hackamore Dr, Boise, ID, 83709
Loans
12.75%
▼
APR12.75%
Last UpdatedMarch 25, 2026
Details
Interest Rates on Loans**
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 UpdatedMarch 25, 2026
Details
No additional details available.
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID, 83401 4080
Life Style Loan
12.99%
▼
APR12.99%
Last UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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
17.99%
▼
APR17.99%
Last UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
5213 Cleveland Blvd, Caldwell, ID, 83607 8005
Personal Loan
12.75%
▼
APR12.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
Solar mart Personal Loan
8.63%
▼
APR8.63%
Last UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 Loans
10.75%
▼
APR10.75%
Last UpdatedMarch 25, 2026
Details
As Low As
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID, 83815
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 Loans
11.25%
▼
APR11.25%
Last UpdatedMarch 25, 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 UpdatedMarch 25, 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 Loans
11.75%
▼
APR11.75%
Last UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 2026
Details
As Low As
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No debt consolidation personal loan rates found in Caldwell, ID currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID, 83605
Signature Loans 12 Months
10.04%
▼
APR10.04%
Last UpdatedMarch 25, 2026
Details
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.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID, 83605
Signature Loans 36 Months
10.74%
▼
APR10.74%
Last UpdatedMarch 25, 2026
Details
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.
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans
10.79%
▼
APR10.79%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans Up to 24 Months
10.79%
▼
APR10.79%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans
11.29%
▼
APR11.29%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans 25 - 36 Months
11.29%
▼
APR11.29%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans
11.59%
▼
APR11.59%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans 37 - 48 Months
11.59%
▼
APR11.59%
Last UpdatedMarch 25, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID, 83605
Signature Loans 72 Months
11.64%
▼
APR11.64%
Last UpdatedMarch 25, 2026
Details
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.
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2613 Cleveland Blvd, Caldwell, ID, 83605
Signature Loan
11.84%
▼
APR11.84%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans
11.89%
▼
APR11.89%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans 49 - 60 Months
11.89%
▼
APR11.89%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans
12.09%
▼
APR12.09%
Last UpdatedMarch 25, 2026
Details
As Low As
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID, 83605
Signature Loans 61 - 72 Months
12.09%
▼
APR12.09%
Last UpdatedMarch 25, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID, 83605
Signature Loans 84 Months
12.14%
▼
APR12.14%
Last UpdatedMarch 25, 2026
Details
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.
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
5213 Cleveland Blvd, Caldwell, ID, 83607 8005
Signature Rewards
18.49%
▼
APR18.49%
Last UpdatedMarch 25, 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
8.25%
▼
APR8.25%
Last UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID, 83440
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMarch 25, 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
12.25%
▼
APR12.25%
Last UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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 UpdatedMarch 25, 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
17.99%
▼
APR17.99%
Last UpdatedMarch 25, 2026
Details
No additional details available.
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No home improvement personal loan rates found in Caldwell, ID currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Idaho?
Most lenders in Caldwell, 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 Caldwell, 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 Caldwell, 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 Caldwell, Idaho?
Credit unions in Caldwell, 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 Caldwell, Idaho?
- CAPITAL EDUCATORS: 4.00% (Educator Loan)
- Idaho Central Credit Union: 10.04% (Signature Loans 12 Months)
- Pioneer Federal Credit Union: 10.79% (Signature Loans)
- Rogue Credit Union: 12.75% (Personal Loan)
- Numerica Credit Union: 4.74% (Loan Length)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Caldwell, Idaho. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 24, 2026.
Personal Loan Calculators
