Best Personal Loan Rates in Idaho Falls, Idaho (ID) - March 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 Idaho Falls, Idaho include: Goldenwest Federal Credit UnionGoldenwest Federal Credit Union525 W Sunnyside Rd, Idaho Falls, ID, 83402A+5.0 ★Texas Ratio: 2.10% offering Lot Loan Special 1-year balloon at 5.89% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union525 W Sunnyside Rd, Idaho Falls, ID, 83402 4641A5.0 ★Texas Ratio: 11.38% offering Construction loan at 7.66% APR, Connections Credit UnionConnections Credit Union2265 E 25th ST, Idaho Falls, ID, 83404 7543A5.0 ★Texas Ratio: 10.96% offering Signature Loans at 8.25% APR, Idaho Central Credit UnionIdaho Central Credit Union3330 S 15th E, Idaho Falls, ID, 83404 8321A+5.0 ★Texas Ratio: 4.09% offering Signature Loans 12 Months at 10.04% APR, and Members Preferred Credit UnionMembers Preferred Credit Union1515 Hoopes Ave, Idaho Falls, ID, 83404A+5.0 ★Texas Ratio: 2.39% offering Personal Loans at 10.75% APR. Personal loan rates as of March 28, 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 Idaho Falls, 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 Idaho Falls, Idaho.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Idaho Falls, 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 28, 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; *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; Regular APR: 17.99%
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As Low As; Interest Rates on Loans**
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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
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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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Interest Rates on Loans**
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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; APR = Annual Percentage Rate. Credit qualifications, terms, and conditions apply.
As Low As; Terms from 6 to 60 months
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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.
No additional details available.
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.
No additional details available.
As Low As; Regular APR: 17.99%
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As Low As; Up to 60 months & $10,000 max per member
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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 Idaho Falls, Idaho?
What are the best personal loan rates in Idaho Falls, Idaho?
- Goldenwest Federal Credit Union: 5.89% (Lot Loan Special 1-year balloon)
- Mountain America Federal Credit Union: 7.66% (Construction loan)
- Connections Credit Union: 8.25% (Signature Loans)
- Idaho Central Credit Union: 10.04% (Signature Loans 12 Months)
- Members Preferred Credit Union: 10.75% (Personal Loans)
Personal Loan Calculators
