Auto Loan Rates in Idaho (ID) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Idaho. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Idaho include Rails West Federal Credit UnionRails West Federal Credit Union4708 Yellowstone Ave, Chubbuck, ID, 83202 2336A+5.0 ★Texas Ratio: 2.13% offering Auto Loan at 4.09%, Lewis Clark Credit UnionLewis Clark Credit Union1626 17th St, Lewiston, ID, 83501A+5.0 ★Texas Ratio: 3.94% offering Autos at 4.25%, Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union654 SOUTHWAY AVE, LEWISTON, ID, 83501A+5.0 ★Texas Ratio: 4.06% offering Auto Loan at 4.74%, SEI Federal Credit UnionSEI Federal Credit Union555 N 5th Ave, Pocatello, ID, 83201A5.0 ★Texas Ratio: 10.07% offering Auto Loans at 4.74%, Numerica Credit UnionNumerica Credit Union465 W Bosanko Ave, Coeur D Alene, ID, 83815A+5.0 ★Texas Ratio: 2.57% offering Auto loans at 4.74%. Auto loan rates as of July 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Idaho side-by-side. Idaho auto loan rates currently start as low as 4.09% APR from Rails West Federal Credit Union at 4708 Yellowstone Ave, Chubbuck, ID, 83202 2336. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Idaho. Auto Loan Rates Last Updated and Verified: July 15, 2026
Compare Auto Loan Rates Today in Idaho
Idaho Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedJul 12, 2026
Details
As Low As; 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedJul 12, 2026
Details
As Low As; 100% financing
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
1626 17th St, Lewiston, ID, 83501
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedJul 11, 2026
Details
As Low As
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedJul 12, 2026
Details
As Low As; 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 12, 2026
Details
As Low As; 100% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedJul 12, 2026
Details
As Low As; 90% financing
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID, 83501
Auto Loan
4.74%
60 Month Term
▼
APR4.74%
Term60 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
SEI Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.07%
555 N 5th Ave, Pocatello, ID, 83201
Auto Loans
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
7 Years and Newer
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
465 W Bosanko Ave, Coeur D Alene, ID, 83815
Auto loans
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedJul 13, 2026
Details
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
AUTO LOANS
4.75%
UP TO 36 MONTHS
▼
APR4.75%
TermUP TO 36 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 4.75% to 25.25% APR/OAC
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
129 S 9th St, St Maries, ID, 83861
New Vehicles Loan
4.75%
36 to 84 months
▼
APR4.75%
Term36 to 84 months
Last UpdatedJul 14, 2026
Details
As Low As
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
129 S 9th St, St Maries, ID, 83861
Used Vehicles Loan
4.75%
36 to 72 months
▼
APR4.75%
Term36 to 72 months
Last UpdatedJul 14, 2026
Details
As Low As
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedJul 12, 2026
Details
As Low As; 100% financing
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID, 83501
Auto Loan
4.89%
72 Month Term
▼
APR4.89%
Term72 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
AUTO LOANS
4.99%
UP TO 60 MONTHS
▼
APR4.99%
TermUP TO 60 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 4.99% to 25.25% APR/OAC
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
USED AUTO LOANS
4.99%
UP TO 36 MONTHS
▼
APR4.99%
TermUP TO 36 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 4.99% to 25.50% APR/OAC
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 3.20%
2200 1st St, Lewiston, ID, 83501 3559
New Auto
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJul 14, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto Up to 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
700+ score
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
3511 S 25th E, Ammon, ID, 83406 6101
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
11292 W Fairview Ave, Boise, ID, 83713
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
11292 W Fairview Ave, Boise, ID, 83713
Utah Auto Loans
4.99%
5 Year Fixed
▼
APR4.99%
Term5 Year Fixed
Last UpdatedJul 15, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car Loan
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedJul 11, 2026
Details
New Car (80%-125% MSRP Financing) As Low As...
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car Loan
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedJul 11, 2026
Details
Used Car (80%-110% Kelly Blue Book Value) As Low As...
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedJul 12, 2026
Details
As Low As; 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedJul 12, 2026
Details
As Low As; 100% financing
SEI Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.07%
555 N 5th Ave, Pocatello, ID, 83201
Auto Loans
5.19%
Up to 48 months
▼
APR5.19%
TermUp to 48 months
Last UpdatedJul 12, 2026
Details
7 Years and Newer
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.24%
12 - 66 months
▼
APR5.24%
Term12 - 66 months
Last UpdatedJul 11, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 3.20%
2200 1st St, Lewiston, ID, 83501 3559
Used Auto
5.24%
Up to 84 Months
▼
APR5.24%
TermUp to 84 Months
Last UpdatedJul 14, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto 72 months
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJul 15, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
3511 S 25th E, Ammon, ID, 83406 6101
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJul 15, 2026
Details
As low as
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
11292 W Fairview Ave, Boise, ID, 83713
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
11292 W Fairview Ave, Boise, ID, 83713
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJul 11, 2026
Details
New Car (80%-125% MSRP Financing) As Low As...
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJul 11, 2026
Details
Used Car (80%-110% Kelly Blue Book Value) As Low As...
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
USED AUTO LOANS
5.25%
UP TO 60 MONTHS
▼
APR5.25%
TermUP TO 60 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 5.25% to 25.50% APR/OAC
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
4400 Central Way, Chubbuck, ID, 83202
Vehicle Loan
5.29%
48 months
▼
APR5.29%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car Loan
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedJul 11, 2026
Details
New Car (80%-125% MSRP Financing) As Low As...
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car Loan
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedJul 11, 2026
Details
Used Car (80%-110% Kelly Blue Book Value) As Low As
Clarity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.94%
1822 N Midland Blvd, Nampa, ID, 83651
Auto Loans
5.49%
2017 - 2026 / with less than 150,000 miles
▼
APR5.49%
Term2017 - 2026 / with less than 150,000 miles
Last UpdatedJul 11, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.49%
67 - 72 months
▼
APR5.49%
Term67 - 72 months
Last UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
Used Auto Loan
5.49%
12 - 66 months
▼
APR5.49%
Term12 - 66 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $5,000
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
AUTO LOANS
5.50%
UP TO 72 MONTHS
▼
APR5.50%
TermUP TO 72 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 5.50% to 25.25% APR/OAC
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
4400 Central Way, Chubbuck, ID, 83202
Vehicle Loan
5.54%
60 months
▼
APR5.54%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID, 83854
New Auto Loan
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2020+
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
Used Auto Loan
5.74%
67 - 72 months
▼
APR5.74%
Term67 - 72 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $15,000
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedJul 11, 2026
Details
New Car (80%-125% MSRP Financing) As Low As...
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
129 S 9th St, St Maries, ID, 83861
Used Vehicles - over 10 years Loan
5.75%
36 to 72 months
▼
APR5.75%
Term36 to 72 months
Last UpdatedJul 14, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
4400 Central Way, Chubbuck, ID, 83202
Vehicle Loan
5.84%
72 months
▼
APR5.84%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
SEI Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.07%
555 N 5th Ave, Pocatello, ID, 83201
Auto Loans
5.98%
60 months
▼
APR5.98%
Term60 months
Last UpdatedJul 12, 2026
Details
8-15 Years Old
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID, 83854
New Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 11, 2026
Details
Loan Amount: $15,000+; Vehicle Age: 2020+
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedJul 11, 2026
Details
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
AUTO LOANS
5.99%
UP TO 84 MONTHS
▼
APR5.99%
TermUP TO 84 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 5.99% to 25.25% APR/OAC
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
USED AUTO LOANS
5.99%
UP TO 72 MONTHS
▼
APR5.99%
TermUP TO 72 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 5.99% to 26.25% APR/OAC
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto 84 months
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 15, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
11292 W Fairview Ave, Boise, ID, 83713
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
Used Auto Loan
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $25,000
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
USED AUTO LOANS
6.25%
UP TO 60 MONTHS
▼
APR6.25%
TermUP TO 60 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 6.25% to 26.50% APR/OAC
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto (7 years old or older) - *96 months
6.49%
*96 months
▼
APR6.49%
Term*96 months
Last UpdatedJul 15, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto (7 years old or older) - 72 months
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedJul 15, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto (7 years old or older) - 84 months
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 15, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto (7 years old or older) - Up to 60 months
6.49%
Up to 60 months
▼
APR6.49%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
700+ score
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID, 83501
Used Vehicle Loan
6.99%
60 Month Term
▼
APR6.99%
Term60 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
USED AUTO LOANS
6.99%
UP TO 72 MONTHS
▼
APR6.99%
TermUP TO 72 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 6.99% to 26.50% APR/OAC
SEI Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.07%
555 N 5th Ave, Pocatello, ID, 83201
Auto Loans
6.99%
72 months
▼
APR6.99%
Term72 months
Last UpdatedJul 12, 2026
Details
8-15 Years Old
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto 96 months
7.09%
96 months
▼
APR7.09%
Term96 months
Last UpdatedJul 15, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
7.24%
60 months
▼
APR7.24%
Term60 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2014 & Older
Clarity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.94%
1822 N Midland Blvd, Nampa, ID, 83651
Auto Loans
7.49%
2016 and older OR over 150,000 miles
▼
APR7.49%
Term2016 and older OR over 150,000 miles
Last UpdatedJul 11, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
11292 W Fairview Ave, Boise, ID, 83713
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJul 15, 2026
Details
$30,000; As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
SEI Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.07%
555 N 5th Ave, Pocatello, ID, 83201
Auto Loans
10.98%
84 months
▼
APR10.98%
Term84 months
Last UpdatedJul 12, 2026
Details
8-15 Years Old
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Idaho New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
129 S 9th St, St Maries, ID, 83861
New Vehicles Loan
4.75%
36 to 84 months
▼
APR4.75%
Term36 to 84 months
Last UpdatedJul 14, 2026
Details
As Low As
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 3.20%
2200 1st St, Lewiston, ID, 83501 3559
New Auto
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJul 14, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto Up to 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
700+ score
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
3511 S 25th E, Ammon, ID, 83406 6101
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car Loan
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedJul 11, 2026
Details
New Car (80%-125% MSRP Financing) As Low As...
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.24%
12 - 66 months
▼
APR5.24%
Term12 - 66 months
Last UpdatedJul 11, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto 72 months
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJul 15, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
3511 S 25th E, Ammon, ID, 83406 6101
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJul 15, 2026
Details
As low as
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJul 11, 2026
Details
New Car (80%-125% MSRP Financing) As Low As...
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car Loan
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedJul 11, 2026
Details
New Car (80%-125% MSRP Financing) As Low As...
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.49%
67 - 72 months
▼
APR5.49%
Term67 - 72 months
Last UpdatedJul 11, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID, 83854
New Auto Loan
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2020+
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedJul 11, 2026
Details
New Car (80%-125% MSRP Financing) As Low As...
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID, 83854
New Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 11, 2026
Details
Loan Amount: $15,000+; Vehicle Age: 2020+
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedJul 11, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto 84 months
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJul 15, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto 96 months
7.09%
96 months
▼
APR7.09%
Term96 months
Last UpdatedJul 15, 2026
Details
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Idaho Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
129 S 9th St, St Maries, ID, 83861
Used Vehicles Loan
4.75%
36 to 72 months
▼
APR4.75%
Term36 to 72 months
Last UpdatedJul 14, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
USED AUTO LOANS
4.99%
UP TO 36 MONTHS
▼
APR4.99%
TermUP TO 36 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 4.99% to 25.50% APR/OAC
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
3511 S 25th E, Ammon, ID, 83406 6101
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car Loan
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedJul 11, 2026
Details
Used Car (80%-110% Kelly Blue Book Value) As Low As...
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 3.20%
2200 1st St, Lewiston, ID, 83501 3559
Used Auto
5.24%
Up to 84 Months
▼
APR5.24%
TermUp to 84 Months
Last UpdatedJul 14, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedJul 11, 2026
Details
Used Car (80%-110% Kelly Blue Book Value) As Low As...
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
USED AUTO LOANS
5.25%
UP TO 60 MONTHS
▼
APR5.25%
TermUP TO 60 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 5.25% to 25.50% APR/OAC
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car Loan
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedJul 11, 2026
Details
Used Car (80%-110% Kelly Blue Book Value) As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
Used Auto Loan
5.49%
12 - 66 months
▼
APR5.49%
Term12 - 66 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $5,000
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
Used Auto Loan
5.74%
67 - 72 months
▼
APR5.74%
Term67 - 72 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $15,000
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
129 S 9th St, St Maries, ID, 83861
Used Vehicles - over 10 years Loan
5.75%
36 to 72 months
▼
APR5.75%
Term36 to 72 months
Last UpdatedJul 14, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
USED AUTO LOANS
5.99%
UP TO 72 MONTHS
▼
APR5.99%
TermUP TO 72 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 5.99% to 26.25% APR/OAC
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2015 - 2019
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
Used Auto Loan
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $25,000
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
USED AUTO LOANS
6.25%
UP TO 60 MONTHS
▼
APR6.25%
TermUP TO 60 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 6.25% to 26.50% APR/OAC
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto (7 years old or older) - *96 months
6.49%
*96 months
▼
APR6.49%
Term*96 months
Last UpdatedJul 15, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto (7 years old or older) - 72 months
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedJul 15, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto (7 years old or older) - 84 months
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 15, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto (7 years old or older) - Up to 60 months
6.49%
Up to 60 months
▼
APR6.49%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
700+ score
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID, 83501
Used Vehicle Loan
6.99%
60 Month Term
▼
APR6.99%
Term60 Month Term
Last UpdatedJul 11, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1515 Hoopes Ave, Idaho Falls, ID, 83404
USED AUTO LOANS
6.99%
UP TO 72 MONTHS
▼
APR6.99%
TermUP TO 72 MONTHS
Last UpdatedJul 11, 2026
Details
As Low As; 6.99% to 26.50% APR/OAC
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
7.24%
60 months
▼
APR7.24%
Term60 months
Last UpdatedJul 11, 2026
Details
Vehicle Age: 2014 & Older
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Idaho Auto Loan Rate Trends
Compare local Idaho auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — ID Avg
5.842%
▲ 0.207 vs 7 days ago
Idaho new auto rates rose 0.207 points over the past 7 days to 5.842% APR.
Used Auto Loan — ID Avg
6.332%
▼ 0.173 vs 7 days ago
Idaho used auto rates fell 0.173 points over the past 7 days to 6.332% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Idaho auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Idaho directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Idaho. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in ID.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Idaho
How does my credit score affect my car loan rate in Idaho?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Idaho with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Idaho *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Idaho typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Idaho?
Based on our current data, some of the lowest auto loan rates available in Idaho include:
- Rails West Federal Credit Union: 4.09% (Auto Loan)
- Lewis Clark Credit Union: 4.25% (Autos)
- Potlatch No 1 Financial Credit Union: 4.74% (Auto Loan)
- SEI Federal Credit Union: 4.74% (Auto Loans)
- Numerica Credit Union: 4.74% (Auto loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Idaho. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 15, 2026
Auto Loan Rates by City in Idaho
Rate Assistant
MonitorBankRates.com · Live Data
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