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Best Bad-Credit Loan Lenders in Idaho

MoneyGeek gathered information about different factors to help borrowers in Idaho find the best lender. These include APR ranges, minimum and maximum loan amounts, loan repayment terms, funds disbursement times and other vital details. Analyzing a lender based on these factors, your current financial situation and funding needs is wise.

We found Upstart the best option for borrowers with bad credit in Idaho looking for personal loans. The runner-up is Upgrade. However, the ideal lender for you might vary based on your financial profile.

Best Overall Bad-Credit Loan in Idaho: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


    on Upstart Website

Runner-Up for Best Bad-Credit Loan in Idaho: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


    on Upgrade Website

How to Choose the Best Bad-Credit Loan in Idaho for You

A bad-credit loan in Idaho can help you in many ways. For example, you could make timely payments for this loan and improve your credit history. The average personal loan debt in Idaho is $12,562.

Before you apply for a loan, you must ensure that it will positively affect your financial situation and is the best option for your needs. You can follow these steps to find the best lender for your situation.


Ask Yourself the Important Questions

Before you look for the right lender, you must analyze your income and previous debts to understand if you can apply for a new loan and afford it. On average, lenders charge an interest rate of 7.07% on personal loans. However, since each lender assesses applications differently, you must consider the lender’s credit score requirements and other essential details. Understanding these factors will help you find the perfect lender based on your financial situation. MoneyGeek recommends asking yourself the following questions:

  • How much funding do you need?
  • What’s your credit score?
  • Can you afford the monthly payments?
  • Do you have existing debts?
  • Is your debt manageable through other means?

Do Your Research

It’s essential to do your research before finalizing a lender. To do this, you can start by shopping around and comparing lenders based on their interest rates. Since submitting a comprehensive application involves hard credit checks, you should only apply after reviewing the lender’s requirements. You can also save a lot of money in the long run after doing sufficient research.

When researching, you can consult MoneyGeek’s guides on personal loans. However, since our suggestions might not suit your individual needs, it’s best to do your own research.


Read the Fine Print

The lender’s loan agreement includes the fine print, which is the most suitable resource for understanding the lender’s fees and other loan-related costs. You should consider if the lender charges origination, application or prepayment fees. The fine print can give you enough information to help you save money on unnecessary expenses.



Although you may have decided to apply for a loan with your chosen lender, MoneyGeek recommends waiting a few days before applying, even after you have done sufficient research. The primary reason behind waiting is to ensure the lender is your best option. You might also explore other funding options to meet your needs. Giving yourself time ensures you can be confident in your decision.



Once you have researched and are satisfied with the lender’s terms, you can apply for a loan. The lender might ask you for documents and additional information to verify your address, income, debt and other financial details. You can apply online or visit the lender’s office if you think you might have questions while you complete your application.

What to Do if You Can’t Get a Bad-Credit Loan in Idaho

Although getting rejected by your lender might cause stress, it shouldn’t be a significant cause of concern. There are various reasons why lenders deny a loan application. Some factors that may contribute to the rejection are bad-credit history, unstable employment, an incomplete application, low income or a high debt-to-income ratio.

You might want to apply with a different lender in this situation. However, it’s best to ask your original lender to provide you with the reason behind the loan denial. Once they let you know what factor caused the rejection, you can work to improve it and submit your application again. You can also modify your application to make it more acceptable to the lender. For instance, you can decrease your loan amount or opt for a different repayment term.

Payday loans might also seem like a suitable option in this situation. However, MoneyGeek recommends against getting a payday loan because of its unfavorable terms. These loans usually have high APRs and short repayment terms and can result in more debt for the borrower.

Calculate Your Monthly Payment

Understanding the monthly cost of a loan is essential as it helps you determine if you can afford it based on your current financial situation. The monthly cost of a loan includes your principal amount and interest. MoneyGeek’s personal loan calculator can give you an idea of your monthly payment based on your desired loan amount and other financial details.



+ $114.98


+ $8.33

Origination Fee Percentage


Origination Fee Fixed amount


Total monthly payment


FAQs About Bad-Credit Loans in Idaho

To choose the perfect bad-credit loan lender, you should assess your financial needs and current situation. MoneyGeek answers some frequently asked questions about bad-credit loans in Idaho to help you find the right lender.


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MoneyGeek gathered information about several personal loan lenders and analyzed them based on at least 35 individual data points across the following key categories: affordability, accessibility, customer friendliness, service quality, loan flexibility and lender transparency.

We considered several data points within each ranking category that might be important when finalizing a personal loan lender. These factors are the minimum and maximum APRs, loan amounts, credit score and income requirements, application fees and disbursement times.

Since you, the consumer, are the most important consideration for MoneyGeek, we assessed each lender’s customer service, business ratings and features that could make your experience more convenient. We analyzed things like prequalification, multiple payment options and mobile apps.

We finalized the best lenders after careful consideration and calculation. MoneyGeek’s personal loan recommendations and expert tips help you understand key terms and make smarter financial decisions when picking the best lender for your situation.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.