Compare Bank & Credit Union Rates
Best auto loan rates in Nampa, 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 16 in Nampa, ID · median 5.72% APR
- 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
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 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 - 5.49%APRas low as
Terms
Applies to model years 2017 - 2026 / vehicles 10 years old or less with less than 150,000 miles. Terms up to 84 months.
Auto loan score 68 · Carrot Score 73
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
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
Terms
New - 9 years old vehicles. Rates start as low as the published rates; actual APR may differ based on credit history, approved loan amount, and term.
Auto loan score 64 · Carrot Score 67
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 - 6.53%APRas low as · up to 12.70%
6.53% APR, up to 12.70%
Terms
Term Minimum APR 6.53% (rate 6.44%) based on $35,000 loan amount, 60-month term, new vehicle, and excellent credit. Term Maximum APR 12.70% (rate 10.59%) based on $2,500 loan amount, 36-month term, new vehicle, and lowest acceptable credit score. 0.50% autopay discount from Zions Bank Gold Account available. $75 loan fee applies.
Auto loan score 63 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.63%APRas low as
Auto loan score 64 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 7.22%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Example loan terms assume: FICO score >= 720, LTV < 95%, Age of Vehicle <= 6yr (2020 or newer model yr). Stated APR subject to criteria, including having an active First Federal Personal Checking Acct at time of closing. Rates, terms and fees subject to approved credit. Interest rate is 6.974%.
Auto loan score 61 · Carrot Score 75
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 Nampa, ID
16 banks and credit unions · checked Oct 15–22
- Typical
- 5.72%
- Top 10% up to
- 5.24%
- Banks, typical
- 6.53%
- Credit unions, typical
- 5.59%
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