Debt Consolidation Loan Lenders in Idaho

Idaho is the 14th biggest state in America, and the living cost is lower than in other states, but debts are very high. According to the 2022 report, $ 2230 to $ 3582 debt per capita in Idaho. People have multiple loans and only have one income source. So, People pay multiple monthly installments at different interest rates. Debt Consolidation Loan Lenders in Idaho consolidate all old debts into debt consolidation loans. These loan lenders do not charge any prepayment or extra hidden charges for the debt consolidation loan from the customers.

Some Loan Lenders in Idaho do not consolidate more than three loans in the debt consolidation loan. People use debt consolidation loans to get off other old loans and pay only a single monthly installment at a lower interest rate.

Best Debt Consolidation Loan Lenders in Idaho

Many loan lenders provide debt consolidation loan services through their online websites and are also available in different locations such as Washington DC, Idaho counties, Kansas, California, Connecticut, etc. Some loan lenders consider debt consolidation loans as secured and unsecured loans and charge interest rates according to the debt consolidation loan category. 

We have shared the top 20 best debt consolidation loan lenders in Idaho that will help you to get off your all old debts. 

You can also read: 

Debt Consolidation Loan Lenders in Iowa

Debt Consolidation Loan Lenders in Maryland

Debt Consolidation Loan Lenders in Connecticut

Debt Consolidation Loan Lenders in Pennsylvania

Debt Consolidation Loan Lenders in Massachusetts

1. New Era

New Era is a debt settlement company that helps people reduce their debt and become debt-free from all old loans. This company was established in 1999, in Camarillo, California, and provides debt consolidation services in different locations such as Idaho, Tennessee, Maryland, Texas, Nevada, etc. 

New Era offers many loan services such as Credit Card Loans, Personal Loans, Student Loans, etc., consolidating all these loans into a debt consolidation loan. It is an unsecured loan, So the company might charge some extra interest rates on debt consolidation loans. If you fail to repay the loan then the company has a debt settlement policy. 

Website: www.neweradebtsolutions.com

Headquarters: Camarillo, California

Contact: 866-536-9009 (HQ) 

2. Freedom Debt Relief

Freedom Debt Relief was founded in 2002, in San Mateo, California, and has 8.5 lakh clients. This company provides debt consolidation and debt settlement services in Boise. It is one of the best debt consolidation loan lenders in Idaho and serves debt consolidation loan services through the Boise branch headquarters.  

Freedom Debt Relief offers a $ 1,000 to $ 1,00,000 debt consolidation loan amount for 24 to 48 months of term time at a lower interest rate. This company tracks your progress through an online website dashboard. For debt consolidation loans, your credit card score must be good enough to apply for the loans. 

Website: www.freedomdebtrelief.com

Headquarters: San Mateo, California

Contact: 800-910-0065 (HQ) 

3. Idaho Finance

Idaho Finance is a local company that provides Debt Consolidation Loans, Personal Loans, Car Loans, Short and Long Term Loans, and Medical Loans with good, fair, and bad credit scores. Idaho Finance provides services in different Idaho counties and towns such as Boise, Meridian, Nampa, Caldwell, Eagle, Treasure Vally, etc. 

Idaho Finance offers a $ 100 to $ 5000 loan amount for 5 to 6 months and charges a lower interest rate. The debt consolidation loan amount will be credited to your account in 24 hours. If you have a bad or medium credit score, apply for debt consolidation loans and pay small monthly payment installments.  

Website: www.idahofinance.com

Headquarters: Meridian, Idaho

Contact: 208-893-2330 (HQ) 

4. Idaho Trust Bank

Idaho Trust Bank was established by Danial and Thomas Prohaska in 1994, in Boise, Idaho, and serves services in Las Vegas, Nevada, Coeur d’Alene, etc. Idaho Trust Bank offers Personal Banking, Investment Management, Wealth Management, Business Banking, etc. services. This bank consolidates all types of loans in new debt consolidation loans.

It is one of the best debt consolidation loan lenders in Idaho that charges a very low interest rate on a fair credit card score and provides debt consolidation loans locally for a short time. If you fail to repay the money after the term time then the Bank uses collateral to recover the debt.

Website: www.idahotrust.com

Headquarters: Boise, Idaho

Contact: 208-373-6500 (HQ)

5. Canyon Financial 

Canyon Financial has 20 years of experience in providing loans in Treasure Vally, Boise, Nampa, Meridian, Caldwell, and Fruitland. It is a local company that provides small loans to people who have a minimum of multiple debts. This Financial company provides Vehicle Loans, Auto Loans, Refinancing Loans, Personal Loans, Debt Consolidation Loans, etc.

Canyon Financial provides secure debt consolidation loans to customers and takes collateral as a security from the customers if they fail to repay the loans. In debt consolidation loans, Canyon Financial gives $ 500 to $ 15,000 loan amounts for up to 48 months at a lower interest rate with no hidden charges. 

Website: www.canfinanceidaho.com

Headquarters: Boise, Idaho

Contact: 208-658-0355 (HQ) 

6. Legacy Mortgage Group

Legacy Mortage Group was established in 1997, in Idaho Falls, Idaho. This group has 26 years of experience in providing Consolidation Loans, Home Improvement Loans, Refinancing, and Home Purchase Loans. Craig Curtis is the owner of Legacy Mortgage Group and this group is Idaho Fall’s premier mortgage loan company that offers low-interest rates on loans. 

Legacy Mortage Group is one of the best debt consolidation loan lenders in Idaho that combines your credit card loans into one debt consolidation loan after refinancing your all old debts. This company charges a lower interest rate on monthly installment payments and does not charge any hidden or orientation fees for debt consolidation loans.

Website: www.legacymortgagegroup.com

Headquarters: Idaho Falls, Idaho

Contact: 208-525-3323 (HQ) 

7. Murdoch Finance Company

Murdoch Finance Company was established 65 years ago in Boise, Idaho. This company serves its services in Idaho and other counties through the Nampa and Tersaure Vally branch headquarters. This company provides loans for Small Businesses, Vehicles, and Personal Loans and consolidates your old loans into one new loan.

Murdoch Finance Company is one of the best debt consolidation loan lenders in Idaho that offers secured debt consolidation loan services for its clients and gets off all old debts. In debt consolidation loans, the company provides small loan amounts for a term time at lower interest rates, no hidden charges, and no extra orientation or prepayment fees.

Website: www.murdochfinance.com

Headquarters: Boise, Idaho 

Contact: 208-314-3829 (HQ) 

8. Clarity Credit Union

Clarity Credit Union was established in Western Idaho, in 1940 and serves services in Idaho’s counties such as Ada, Boise, Canyon, Gem, Owyhee, Payette, and Valley. It is a non-profit cooperative union that helps people to provide Home Mortgage Loans, Personal Loans, Vehicle Loans, Student Loans, Auto Loans, etc. at lower interest rates.

Debt Consolidation Loan consolidates all loans and the company fixes new interest rates for people. Now, you have to pay only one single payment. In debt consolidation loans, a $ 1000 – $ 15,000 loan amount, a lower interest rate, a credit card score of up to 580, and an APR must be low. 

Website: www.claritycu.com

Headquarters: Meridian, Idaho

Contact: 208-467-6583 (HQ)

9. Oak View Law Group 

Virendra Kalani established Oak View Law Group (OVLG) in 2007, in California, USA. OVLG provides Home Equity Loans Personal Loans, Debt Consolidation Loans, Student Loans, etc. all over Idaho through its online website. OVLG consolidates old loans into one new debt consolidation loan at lower interest rates.

It is one of the best debt consolidation loan lenders in Idaho that offers a debt consolidation loan of $ 1,00,000 when your old loan has large debts, a high credit score, and a sufficient income source. If you have a low credit card score then a debt consolidation loan application will not approved by the company. 

Website: www.ovlg.com

Headquarters: Auburn, California

Contact: 800-530-6854 (HQ)

10. Debt Reduction Services

DRS was established by Joseph T. Cestaro and Thomas Drechsler in 1996. Debt Reduction Services (DRS) is one of the best debt consolidation loan lenders in Idaho that provides Debt Consolidation Loans, Personal Loans, Vehicle Loans, etc. and is also available in different states such as Kansas, the District of Columbia, California, etc.

DRS is a non-profit organization which means it does not take high interest rates on loans. In secured debt consolidation loans, a good loan amount will be provided if your credit card is good and this company uses collateral as a security. If you fail to repay the loan then the company recovers its money through collateral. 

Website: www.debtreductionservices.org

Headquarters: Boise, Idaho

Contact: 866-688-3328 (HQ)

11. Money Fit

Since 2000, Money Fit has been a non-profit organization and one of the best debt consolidation loan lenders in Idaho that has provided secured debt consolidation loans to residential people through their online website. Money Fit debt services are Debt Relief, Debt Management, Debt Reduction Services, Debt Consolidation Loans, etc.  

If your credit card score is between 500 to 650 then Monet Fit offers up to $ 50,000 loan amount, lower interest, and APR rates in debt consolidation loans. After the consolidation loan, you pay a single monthly payment at a lower interest rate. If you fail to repay the loan then the company uses collateral to recover its money. 

Website: www.moneyfit.org

Branch – Headquarters: Idaho Falls, Idaho 

Contact: 800-432-0310 (HQ)

12. Social Financial (SoFi)

Established in 2011, Social Finance provides debt loans through an online website and It is one of the best debt consolidation loan lenders in Idaho and Idaho counties. It offers other loan services such as Personal Loans, Investment Loans, Student Refinancing, Mortgage Loans, etc., and these loans can convert into debt consolidation loans. 

Your minimum credit card score is 680 and up to 720, APR is 5.74% to 20.28% for debt consolidation loans, and the company offers a $ 5000 to $ 1,00,000 loan amount for 12 to 60 months, no hidden charges, no prepayment amount or fees, no orientation fees. 

Website: www.sofi.com

Headquarters: Cottonwood, Utah

Contact: 855-456-7634 (HQ) 

13. Goldman Sachs

Goldman Sachs is an online platform that provides all types of loan services in the United States, and other countries. This company was founded in 1869, in New York, USA. Marcus By Goldman Sachs provides Personal Loans, Debt Consolidation Loans, Student Loans, Asset and Wealth Management, etc. 

This company will provide consolidation loan amounts between $ 35,000 to $ 40,000 for 36 to 72 months of term time, The credit card score must be good and  APR must be between 6.99% to 24.99%. Prepayment, late fees, and orientation fees are not charged by the company. 

Website: www.goldmansachs.com

Headquarters: New York, USA

Contact: 212-902-0300 (HQ) 

14. Prosper

Prosper was established in 2005, in California, USA, and provides services in Idaho and its counties through its online website. It is one of the best debt consolidation loan lenders in Idaho lending company. It provides Personal Loans, Student Loans, Refinancing Loans, and Vehicle loans, and all these loans can be converted into debt consolidation loans. 

For debt consolidation, your credit score should be 640 and lower APR rates. This company will provide a $ 2000 to $ 50,000 loan amount at a lower interest rate of debt consolidation loan and no hidden charges, prepayment amount or fees, and orientation fees charged by the company. 

Website: www.prosper.com

Headquarters: San Francisco, California

Contact: 866-615-6319 (HQ)

15. Discover

Since 1985, Discover Company has provided Vehicle Loans, Student Loans, Mortgage Loans, Vacation Loans, Personal Loans, etc. Discover provides the above loans in Idaho through its online website. It is helpful for those who have multiple small amounts of loans and only have one income source.

In debt consolidation loans, up to $ 40,000 loan amount will be provided for 3-7 years term time at a lower interest rate, no extra charges, and your credit card score must be 660 for this loan. The company will charge late fees if you are not able to repay the debt consolidation loan after the term time.

Website: www.discover.com

Headquarters: Salt Lake City, Utah

Contact: 800-347-2683 (HQ) 

16. OneMain Financial 

Established in 1912, Alexander E. Duncan founded OneMain Financial and it is an American financial services company and subsidiary of OneMain Finance Corporation. It is formally known as CitiFinancial. This company has 1400 corporate offices in 44 countries including Idaho and its counties. OneMain Financial charges late fees after the term time if you do not pay the loan on time.

OneMain Financial offers debt consolidation loans that will help you to pay only one monthly installment instead of multiple installments. Debt consolidation loans are provided with lower interest rates and good credit card scores. Also, consolidates your all loans such as Personal Loans, Auto Loans, Student Loans, Refinancing Loans, etc.

Website: www.onemainfinancial.com

Headquarters: Evansville, Indiana

Contact: 800-290-7002 (HQ) 

17. Axos Bank

Axos Bank is one of the biggest banks in California that provides loan services in Los Angeles, California, Las Vegas, Nevada, Salt Lake City, Kansas City, Ohio, Idaho, and its towns or counties through its online website. Axos Bank includes all loans such as Personal Loans, Mortgage Loans, Home Improvement and Equity Loans, Debt Consolidation Loans, etc.

For debt consolidation loans, your credit card score must be 700+, and a $ 7000 to $ 50,000 loan amount will be offered at a lower interest rate for 3 to 7 years of term time. Your APR is also between 2.66% and 29.99% for debt consolidation loans and no extra is charged by the company.

Website: www.axosbank.com

Headquarters: San Diago, California

Contact: 866-747-4472 (HQ)

18. Lookout Credit Union

Lookout Credit Union was established in 1952, in Pocatello, Idaho. This credit union provides different types of loans such as Personal Loans, Auto Loans, Mortgage Loans, Home Equity and Improvement Loans, etc. These loans are easily converted into debt consolidation loans for a term time. 

Debt Consolidation Loan is very beneficial for those who have multiple small loans and only one source of income. Lookout Credit Union offers a $ 25,000 loan amount for 3 to 5 years of term time. The consolidation loan amount will be credited to your account within 24 hours after document verification and no application fees are charged.

Website: www.lookoutcu.com

Headquarters: Pocatello, Idaho

Contact: 888-847-8328 (HQ)

19. Accredited Debt Relief

Accredited Debt Relief has 12 years of experience and it is a division of Beyond Finance LLC. This company provides loan services in some states such as New York, Idaho, Arizona, Indiana, Pennsylvania, Tennessee, etc. through their online website, and debt consolidation loan APR is changed according to location.

In Idaho, This company offers $ 10,000 to $ 1,00,000 loan amounts as unsecured debt for 4 to 48 months of term time, and for this debt consolidation loan APR must be between 4.9% to 35.99%, the average credit card balance is $ 5213, annual household income is $ 65,988 and 1% to 6% orientation fees is charged by the company. 

Website: www.accrediteddebtrelief.com

Headquarters: San Diego, California

Contact: 800-497-1965 (HQ)

20. Westmark Credit Union

Westmark Credit Union was established in 1954, in Boise, Idaho, and provides services in Idaho towns and counties. This credit union provides Mortgage Loans, Personal Loans, Credit Card Loans, Home Equity Loans, Auto Loans, etc. This company consolidates your all debts into new debt consolidation loan that helps you to get off from old loans. 

For a debt consolidation loan, your credit card score must be good, APR is different according to your location, the loan amount depends on your debts, good annual household income, and no extra or hidden charges are charged by the company. This company also provides debt consolidation loans in nearby areas through its website.

Website: www.westmark.org

Headquarters: Boise, Idaho

Contact: 202-922-7718 (HQ)

Conclusion

Idaho is the 14th biggest state in the USA and living costs may be lower than in other states but people have multiple debts to fulfill their requirements and manage lifestyle. Also, people do not have multiple income sources and they pay multiple monthly installments at high interest rates. A debt consolidation loan is very helpful because it consolidates all old debts and charges lower interest rates than others. Idaho loan lenders provide debt consolidation loans with some specific conditions and requirements.