Compare Bank & Credit Union Rates
Best auto loan rates in Idaho
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 37 in Idaho · median 5.44% APR
- Responders Emergency Services Credit UnionNew & Used Automobiles · up to 72 months
Credit union · 1 branch
3.99%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Special promotional rate for new and used vehicles for 72 months. 7 years or newer model years. Some promotional rates may require payroll direct deposit and automatic transfer from RESCU Checking Account. Rate based on creditworthiness and term. Rates subject to change.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Rates as low as 3.99% APR. Rates subject to change without notice. All loans subject to credit approval; actual rate and terms may vary based on creditworthiness, loan term, and vehicle age. First payment may be deferred for up to 90 days; interest begins accruing from the date of loan disbursement. Membership required.
Auto loan score 94 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Newer Auto Loans. Includes 1.25% APR discount.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Auto loan score 92 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.38%APRas low as
Terms
APR as low as 4.38%. Rate customized based on credit history, loan type, value of collateral, and term requested. Some restrictions may apply. Applicable to new or used vehicles.
Auto loan score 91 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 1 branch
4.99%APRas low asTerms
Rate as low as 4.99% APR for 65 months term with loan amount $1,000 to $300,000.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 25.25%
4.99% APR, up to 25.25%
Terms
On approved credit (OAC)
Auto loan score 80 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 15.24%with conditions
4.99% APR, up to 15.24%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR for new, used, or refinanced car or truck loans with terms up to 84 months. APR reflects discounts up to 0.50% (0.25% discount with automatic payment from Numerica checking account and/or 0.25% discount with a Numerica Visa credit card or another Numerica loan). As low as 0% down payment on approved credit.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New up to 3 years; quoted based on “A” credit rating
Auto loan score 77 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
Advertised starting APR for new or used vehicles. Rates increase for vehicles over 100,000 miles or more than 7 years old (or more than 6 years old per rates schedule). Based on creditworthiness and underwriting approval.
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Fixed rate. Term 5 Years.
Auto loan score 79 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model year 2022 and newer; term up to 60 months.
Auto loan score 79 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 14.74%
5.24% APR, up to 14.74%
Terms
Minimum loan amount $5,000. Example payment per $1,000 is $22.20 based on highest interest rate with maximum term.
Auto loan score 75 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking. Best rates available on new/used vehicle purchases and refinanced loans from other financial institutions; rate may be higher based on credit history, eligibility and underwriting criteria.
Auto loan score 73 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Advertised APR includes 0.25% loan rate discount with MyStyle Checking. Actual APR based on creditworthiness. 60 monthly payments of $18.98 per $1,000 borrowed.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Idaho
37 banks and credit unions · checked Oct 16–22
- Typical
- 5.44%
- Top 10% up to
- 4.33%
- Banks, typical
- 6.53%
- Credit unions, typical
- 5.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Idaho
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 2 branches
- ICCUCredit union · 52 branches
- Responders Emergency Services Credit UnionCredit union · 1 branch