Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 16–26 of 26 in Boise City, ID metro · median 5.64% APR
- 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 - 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 - 6.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For new and used vehicles. Includes 0.25% discount for top tier credit scores and meeting Ridgeline Rewards or Compass Cash Back Checking qualification cycle parameters with active auto-pay from that account.
Auto loan score 62 · Carrot Score 86
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 - 8.53%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR starting at 8.53%. Advertised APR includes a 0.50% automatic payment discount from a Columbia Bank account. Loan of up to 100% of invoice amount. Terms between 2 to 7 years based on loan amount and collateral. Fixed interest rate. Collateral: a new auto can be a current model year, immediate past model year or future model year not previously titled. Higher rates may apply based on terms of loan and credit score/history.
Auto loan score 60 · Carrot Score 72
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 City, ID metro
26 banks and credit unions · checked Oct 16–22
- Typical
- 5.64%
- Top 10% up to
- 5.07%
- Banks, typical
- 6.53%
- Credit unions, typical
- 5.25%
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