Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / ID
Personal loans, banking, insurance, and debt help in Idaho
Idahoans use personal loans mainly to consolidate credit card debt, cover unexpected car or medical expenses, finance home improvements, or pay for weddings and moves, with most loans unsecured.
37lenders in the dataset
IDstate guide
$884/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Idaho
Idahoans use personal loans mainly to consolidate credit card debt, cover unexpected car or medical expenses, finance home improvements, or pay for weddings and moves, with most loans unsecured.
Interest-rate law
Idaho personal loan rates are genuinely uncapped: the general usury statute sets a 12% default only when no rate is agreed in writing, and the Idaho Credit Code's regulated consumer loan provision allows whatever rate the parties agree to. A 2024 bill to add a 30%-or-10-over-prime cap failed to pass.
| Loan range | Rate | Statute |
|---|---|---|
| Any loan amount | No statutory ceiling; lender sets rate by agreement | Idaho Code § 28-22-104; § 28-42-201 |
Lender complaints: Idaho Department of Finance
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
Happy Money
- Credit profile
- Good
- APR range
- 7.95% – 35.99%
- Loan amount
- $5,000 – $50,000
Good to excellent credit
KeyBank
- Credit profile
- Not specified
- APR range
- 8.99% – 22.99%
- Loan amount
- $2,000 – $100,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Reach Financial
- Credit profile
- Not specified
- APR range
- 5.99% – 35.99%
- Loan amount
- $3,500 – $40,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
US Bank
- Credit profile
- Not specified
- APR range
- 8.74% – 24.99%
- Loan amount
- $1,000 – $50,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Good to excellent credit
Zions Bank
- Credit profile
- Not specified
- APR range
- 11.26% – 27.97%
- Loan amount
- $2,500 – $100,000
Fair credit
60MonthLoans
- Credit profile
- Fair
- APR range
- 25% – 36%
- Loan amount
- $2,600 – $10,000
Fair credit
Achieve
- Credit profile
- Fair
- APR range
- 6.25% – 35.99%
- Loan amount
- $5,000 – $50,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank (formerly LendingClub)
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
CreditNinja
- Credit profile
- Poor
- APR range
- 195.75% – 349%
- Loan amount
- $300 – $5,000
Poor or limited credit
Integra Credit
- Credit profile
- Poor
- APR range
- 149% – 399%
- Loan amount
- $500 – $3,000
Poor or limited credit
Kwikcash
- Credit profile
- Not specified
- APR range
- 99% – 499%
- Loan amount
- $250 – $1,000
Poor or limited credit
MoneyKey
- Credit profile
- Poor
- APR range
- 295% – 401.20%
- Loan amount
- $200 – $2,500
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
Personify Financial
- Credit profile
- Poor
- APR range
- 36% – 179.50%
- Loan amount
- $500 – $15,000
Poor or limited credit
Rise
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
Poor or limited credit
Security Finance
- Credit profile
- Not specified
- APR range
- N/A – 124.48%
- Loan amount
- $477 – $2,500
Poor or limited credit
World Finance
- Credit profile
- Poor
- APR range
- N/A – 99%
- Loan amount
- $450 – $12,000
03 / Debt consolidation
Debt consolidation
Because Idaho does not cap rates for licensed lenders, there is no legal ceiling protecting borrowers from a debt consolidation loan priced at or above their existing credit card APR, making shopping around especially important.
04 / Banking and credit unions
Banking in Idaho
National banks offer scale and convenience, while regional and Idaho-based banks compete on relationship banking and faster local decisions.
Banks listed
- Wells FargoNational bank.
- US BankNational bank, headquartered in Minneapolis, MN.
- ChaseNational bank.
- Zions BankHeadquartered in Salt Lake City, UT, with a significant Idaho presence.
- Washington Trust BankHeadquartered in Spokane, WA.
- Glacier BankHeadquartered in Kalispell, MT.
- KeyBankHeadquartered in Cleveland, OH.
Credit unions
Idaho's credit unions are member-owned, not-for-profit institutions offering lower rates and fees than banks, with membership tied to specific geographic, employer, or affinity groups.
Idaho credit unions posted median membership growth of about 6.9% year over year (Q4 2025 NCUA data), one of the strongest in the country versus a national median of about -0.5%, and the highest median loan-to-share ratio of any state (about 90%).
Idaho Central Credit Union's field of membership was widened by the state's Department of Finance in small steps across 1953, 1972, 1977, and beyond. Idaho Central started in 1940 among Idaho Department of Agriculture employees; East Idaho and Frontier Credit Union trace to federal government employees; Icon Credit Union grew out of Boise Cascade's timber workforce. Idaho Central grew into the state's dominant credit union with over $14 billion in assets largely through steady regulatory approval.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Legal and requires licensing. Debt settlement providers, called 'debt counselors' under Idaho law, must be licensed under the Idaho Collection Agency Act's debt-counselor provisions (Idaho Code § 26-2221 et seq.) and are regulated by the Idaho Department of Finance. No specific fee cap or cooling-off period is clearly established, so the federal Telemarketing Sales Rule's ban on advance fees is the baseline protection.
Companies listed in the dataset
06 / Insurance
Idaho insurance
Regulator
Idaho Department of Insurance
Insurance regulator websiteAuto insurance
25/50/15
Idaho requires liability insurance with minimum limits of $25,000 per person and $50,000 per accident for bodily injury liability, plus $15,000 for property damage liability.
Homeowners and renters
$884/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $146/yr
Idaho carries real exposure to wildfires, particularly in forested central and northern regions, along with severe winter storms and flooding from spring snowmelt.
07 / Questions
Idaho FAQs
How do I file a complaint against a lender in Idaho?
Contact the Idaho Department of Finance, which licenses and supervises consumer lenders, payday lenders, and title lenders operating in Idaho.
How do I file a complaint against my insurance company in Idaho?
File with the Idaho Department of Insurance.
What's the maximum interest rate a lender can legally charge on a personal loan in Idaho?
There isn't one. Idaho's licensed lenders can charge whatever rate a borrower agrees to in writing, under both the general usury statute and the Idaho Credit Code's regulated consumer loan provision.
What credit score do I need for a personal loan in Idaho?
It depends on the lender. Banks and credit unions typically want a FICO score of 700+, online FinTech lenders work with fair credit (low-to-mid 600s), and some lenders serve poor or limited credit at significantly higher APRs.
Are payday loans legal in Idaho, and are there caps on fees or loan amounts?
Yes. Payday loans are capped at $1,000 or 25% of gross monthly income, whichever is smaller, with up to 3 renewals (4 loans total). There's no rate cap, so finance charges commonly run $15-$30 per $100 borrowed, translating to APRs of 300%-400%.
How long can a debt collector legally pursue an unpaid debt in Idaho before the statute of limitations runs out?
Written contracts have a 5-year statute of limitations (Idaho Code § 5-216); oral contracts have a 4-year window (§ 5-217). A payment or written acknowledgment can restart the clock.
What's the difference between a debt consolidation loan and debt settlement for someone living in Idaho?
A debt consolidation loan pays creditors in full with new borrowed money at a lower rate, repaid on a fixed schedule; credit recovers quickly. Debt settlement negotiates a reduced payoff but requires stopping payments first, damaging credit, and forgiven amounts may be taxable. Because Idaho's rates aren't capped for licensed lenders, comparing the actual math on a consolidation offer matters even more.
