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Find the Best Personal Loans in Boise, ID

If you’re in need of cash, getting a personal loan in Boise is an option. Interest rates on personal loans are often lower than on credit cards, and consumers can borrow from banks, credit unions, peer-lending companies and other private lenders. To help you find the right option, we researched the best personal loans in Boise.

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Compare Top Personal Loans

Accredited Partner
Best Egg
Overall satisfaction rating
  • Simple, fixed monthly payments
  • Won't affect your credit score
  • Minimum FICO score: 640
  • Available in Boise

Won't affect your credit score!

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FreedomPlus
Overall satisfaction rating
  • Loans up to $40,000
  • Same-day loan approvals
  • Minimum FICO score: 620
  • Available in Boise

FreedomPlus is an online loan broker that provides loans from $7,500 to $40,000. Get approved in less than a day, and you could receive funds in as little as 48 hours.

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Accredited Partner
LoanMe
Overall satisfaction rating
  • Safe, direct cash transfer
  • No collateral needed
  • Minimum FICO score: 500
  • Available in Boise

LoanMe offers unsecured installment loans to consumers and businesses. The company's primary focus is to provide personal or small business lending solutions. The company offers loans from $2,600 to $100,000 for purposes such as debt consolidation or costs associated with starting a new business. LoanMe streamlines the loan application process, making it easier for consumers.

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One Main Financial
  • Clear payoff schedule
  • Local customer service
  • Served millions of customers
  • Lending for over 100 years
 Location
9506 W. Fairview Ave.
Boise, ID 83704
(208) 323-8222
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Canyon Financial
  • Secured loans from $500 to $15,000
  • Flexible terms to fit your needs
  • Reliable online application
  • BBB A+ rating
 Location
4792 W. Overland Rd., Ste. 100
Boise, ID 83705
(208) 658-0355
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1st Choice Money Center
  • M-F: 10am - 7pm
  • Sat 10am - 4pm
  • Closed Sun
  • 1stchoicemoney.com
 Location
8411 W. Fairview Ave.
Boise, ID 83704
(208) 321-2734
Check 'n Go
  • M-F: 10:30am - 6pm
  • Sat: 10am - 2pm
  • Closed Sun
  • checkngo.com
 Location
10654 W. Overland Rd.
Boise, ID 83709
(208) 658-8855
MoneyTree
  • M-F: 9am - 8pm
  • Sat: 9am - 7pm
  • Sun: 11am - 6pm
  • moneytreeinc.com
 Location
8485 W. Overland Rd.,
Boise, ID 83709
(208) 375-6665
Equitable Finance
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • equitablefinco.com
 Location
5800 W. Fairview Ave.
Boise, ID 83704
(208) 344-3134

How to choose a personal loan in Boise

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Millions of Americans every year get a personal loan, which usually is between $1,000 and $50,000 and is paid back monthly over one to five years. Borrowers use the funds to do things like consolidate debt, pay off credit cards and bills, remodel homes, have a wedding, support a move, buy a vehicle and take a vacation.

Personal loans in Boise are popular because interest rates are lower than other types of loans and borrowers make monthly payments in regular amounts on a fixed schedule. There are different types of personal loans.

Type of personal loan Features
Unsecured Not backed by collateral; interest rates are higher than a secured loan
Secured Asset required to secure the loan; if borrower defaults, lender has right to collateral
Debt consolidation Rolls multiple debts into a single loan with a lower interest rate
Line of credit Borrow on an as-needed basis, pay interest only on money borrowed
Co-sign A co-signer pledges to repay the loan if the borrower doesn’t; increases qualifying chances for consumers with thin or low credit
Salary advance Cash borrowed between paychecks; short-term, low-amount loan with high interest rate and fees

How to apply for a personal loan in Boise

Personal loan companies in Boise differ in their application processes. Some will allow borrowers to complete an entire application online, while others require a phone or in-person component to verify information and go over loan terms.

Regardless, borrowers will need to compile documents that help lenders determine creditworthiness. These often include:

  • Social Security number
  • Government-issued ID (e.g., passport, driver’s license)
  • Address verification (e.g., utility bills, copy of lease)
  • Proof of income (e.g., pay stubs, tax returns, bank statements)
  • Monthly expenses and debt obligations
  • Address history

After the completion of a loan application, some lenders are able to transfer money in as little as one day.

Keep in mind, lenders may have minimum and maximum borrowing amounts, and each has different terms, conditions and fees. Be sure to familiarize yourself with the fine print before you agree to a personal loan. Understand origination fees and prepayment penalties that increase the total cost of the loan beyond principal and interest.

It is wise to check your credit score before exploring personal loans in Boise. Federal law requires each of the big three credit reporting agencies to offer you a free credit report once a year. Visit annualcreditreport.com to order a report of your credit history, which will be a factor in your ability to borrow.

Personal Loans Reviews

Accredited Partner

Best Egg

Best Egg has served over 450,000 customers and funded over $6.5 billion in loans. The company makes it easy for Boiseans to apply for a personal loan online. Customers get access to low and fair rates, multiple payment options and friendly service. Loans from $2,000 to $35,000 are available on fixed-term plans. Customers have given many five-star reviews to Best Egg, which has an A+ rating from the Better Business Bureau.

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FreedomPlus

FreedomPlus has provided over $1 billion in loans to over 75,000 Americans. Customers can get same-day decisions and borrow between $7,500 and $40,000. Funds are available within three business days. Boise customers who have used Freedom Plus say the application process is fast and easy, with very helpful staff that assist in setting up simple, fixed repayment plans. FreedomPlus has an A+ rating with the Better Business Bureau.

 FreedomPlus
Accredited Partner

LoanMe

LoanMe, founded in 2013, offers unsecured personal loans ranging from $2,600 to $100,000, with cash available within three to four hours. Customers pay no prepayment penalties and can use the funds for any purpose. Boise reviews appreciate the helpful and professional customer service. LoanMe is accredited with the Better Business Bureau, holding an A- rating.

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One Main Financial

Personal loans from $1,500 to $30,000 are available from OneMain Financial, which has over 100 years of experience lending across the U.S. Each loan has clear terms, fixed payments and no prepayment fees. Borrowers can get funds on the same day if they’re approved by noon. Boiseans like that OneMain Financial has local branches for walk-in service. OneMain Financial has an A+ rating from the Better Business Bureau.

 One Main Financial

Canyon Financial

Canyon Financial has been a lender of choice for residents of the Treasure Valley for 20 years. This lender offers secured loans from $500 to $15,000 with flexible terms up to 48 months. Customers with less-than-perfect credit can still apply. Boiseans like the personalized customer service and the staff’s ability to work with each borrower to find the right loan. Canyon Financial has an A+ rating with the Better Business Bureau.

 Canyon Financial