Personal loans in Blackfoot, ID
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Blackfoot, ID.
The median household in Blackfoot earns $64,032 a year, 18% below the Idaho median of $77,800. About 11% of residents live below the federal poverty line, and 30.1% of households rent their home.
Idaho law that applies in Blackfoot
| Rate cap | No numeric cap. |
|---|---|
| License required | Yes. |
Full rules with statute citations: Personal Loans in Idaho. Cities in Idaho cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Blackfoot
Most Blackfoot applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Blackfoot
What Blackfoot borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Blackfoot
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Blackfoot
6 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Zions Bancorporation, N.A. | 1 | 1350 Parkway Dr, Blackfoot 83221 |
| KeyBank National Association | 1 | 15 N Ash St, Blackfoot 83221 |
| Wells Fargo Bank, National Association | 1 | 109 S Broadway St, Blackfoot 83221 |
| The Bank of Commerce | 1 | 624 Jensen Grove Drive, Blackfoot, Idaho, Blackfoot 83221 |
| WaFd Bank | 1 | 280 W Judicial St, Blackfoot 83221 |
| D. L. Evans Bank | 1 | 1200 Parkway Dr., Blackfoot 83221 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Blackfoot
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Idaho Central | 498 N Meridian St, Blackfoot 83221 |
| Westmark | 575 Jensen Grove Dr, Blackfoot 83221 |
| Lookout | 58 N Broadway St, Blackfoot 83221 |
| Sei | 515 W Bridge St, Blackfoot 83221 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Bingham County · Payday Loans in Blackfoot · Title Loans in Blackfoot
Frequently asked questions
Can I get a personal loan with bad credit in Blackfoot?
Possibly. Lenders in our network consider applicants with fair and bad credit across Idaho, including Blackfoot. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Blackfoot, ID?
No rate cap; licensed lenders may charge any rate agreed in the contract.
How fast can I get a personal loan in Blackfoot?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Blackfoot residents can see their options in about 3 minutes.
Where can I find a loan for bad credit in Blackfoot?
You can apply at local banks and lenders in Blackfoot, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Blackfoot with our free 3-minute form.
How can I get an emergency loan in Blackfoot?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Blackfoot?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.