Best Personal Loans of 2026 in Boise, ID (2026)

5 top-rated personal loans available in Boise, ID. Compare rates and terms for personal loans from top lenders.

COL index

105

Median income

$62K/yr

SoFi Personal Loan

SoFi

4.6

8.99%–25.81%

APR

Loan amounts: $5K–$100K

APR 8.99–25.81%. Up to $100K. No origination fee.

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LightStream Personal Loan

LightStream

4.5

7.99%–25.99%

APR

Loan amounts: $5K–$100K

APR 7.99–25.99%. Up to $100K. Same-day funding.

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Discover Personal Loans

Discover Bank

4.4

7.99%–24.99%

APR

Loan amounts: $3K–$40K

APR 7.99–24.99%. $2.5K–$40K. No origination fee.

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Upstart Personal Loan

Upstart

4.3

6.40%–35.99%

APR

Loan amounts: $1K–$50K

APR 6.40–35.99%. $1K–$50K. AI-driven approvals.

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LendingClub Personal Loan

LendingClub Bank

4.2

8.99%–36.00%

APR

Loan amounts: $1K–$40K

APR 8.99–36.00%. $1K–$40K. Joint applications available.

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Frequently asked questions

What are the best personal loans in Boise, ID?

SoFi Personal Loan is a top-rated option for Boise, ID residents with APRs from 8.99%–25.81%. Most online lenders are available nationwide including Boise, ID.

What credit score do I need for personal loans in Boise, ID?

Most lenders offering personal loans in Boise, ID require a credit score of 600+ for approval, with the best rates typically available to borrowers with 720+ scores. A debt-to-income ratio under 40% and stable income also improve approval odds.

All Personal Loans All loan types All loans in Boise, ID Buy vs rent in Boise Personal Loans in Idaho

Rates depend on creditworthiness · Approval not guaranteed · Q1 2026