Compare Bank & Credit Union Rates
Best auto loan rates in Boise, ID
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 18 in Boise, ID · median 5.66% APR
- 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 - 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 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 - 5.25%APRas low as · up to 12.75%
5.25% APR, up to 12.75%
Terms
Rate varies based on credit score.
Auto loan score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as
Terms
Vehicle model year 2021 and newer (2021+). Sample payment is $23.30 per $1,000 borrowed for 48 months. Base rate requires a credit score of 740 or higher.
Auto loan score 71 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Rate as low as; based on credit approval and underwriting criteria.
Auto loan score 71 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as
Terms
As low as APR headline rate; term options up to 84 months.
Auto loan score 71 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
On approved credit (OAC). Lowest available rate to qualified borrowers; not applicable on internal refinances. Applies to 2017 or newer model year vehicles or vehicles valued at $10,000 or greater. Rate determined by loan type, applicable fees, terms requested, amount financed, and credit history.
Auto loan score 66 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Model year 2022 & newer.
Auto loan score 66 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 15.50%
5.99% APR, up to 15.50%
Terms
Tier A+ (Score 740+) to Tier E (Score <550). Maximum LTV 80% to 115% NADA including TTL + Adds. LTV adjustments apply. Collateral Age Adjustments: Add 1% for every 8 years.
Auto loan score 64 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
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 Boise, ID
18 banks and credit unions · checked Oct 15–22
- Typical
- 5.66%
- Top 10% up to
- 5.24%
- Banks, typical
- 6.38%
- Credit unions, typical
- 5.42%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Boise City, ID metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- ICCUCredit union · 26 branches
- Westmark Credit UnionCredit union · 5 branches