Auto Loan Rates in Idaho (ID) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 TruGrocer Federal Credit UnionTruGrocer Federal Credit Union501 E Highland St, Boise, ID, 83706 6518A+5.0 ★Texas Ratio: 2.15% offering Vehicle Loan at 3.99%, Rails West Federal Credit UnionRails West Federal Credit Union4708 Yellowstone Ave, Chubbuck, ID, 83202 2336A+5.0 ★Texas Ratio: 2.18% offering Auto Loan at 4.09%, Lewis Clark Credit UnionLewis Clark Credit Union1626 17th St, Lewiston, ID, 83501A+5.0 ★Texas Ratio: 4.10% offering Autos at 4.25%, Rogue Credit UnionRogue Credit Union216 N Plymouth Ave, New Plymouth, ID, 83655A+5.0 ★Texas Ratio: 5.00% offering Newer (2023 and Newer) Auto Loans at 4.49%, Members Preferred Credit UnionMembers Preferred Credit Union1515 Hoopes Ave, Idaho Falls, ID, 83404A+5.0 ★Texas Ratio: 2.39% offering New Auto Loan at 4.50%. Auto loan rates as of May 12, 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 3.99% APR from TruGrocer Federal Credit Union at 501 E Highland St, Boise, ID, 83706 6518. 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: May 12, 2026
Compare Auto Loan Rates Today in Idaho
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
501 E Highland St, Boise, ID, 83706 6518
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 7, 2026
Details
As Low As; 24 month to 84 month terms
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
1626 17th St, Lewiston, ID, 83501
Autos
4.25%
96 Months
▼
APR4.25%
Term96 Months
Last UpdatedMay 12, 2026
Details
As Low As
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Newer (2023 and Newer) Auto Loans
4.49%
36 Month
▼
APR4.49%
Term36 Month
Last UpdatedMay 12, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
New Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.00% APR/OAC
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID, 83815
Auto loans1
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedMay 10, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID, 83501
Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Older (2022 and Older) Auto Loans
4.74%
36 Month
▼
APR4.74%
Term36 Month
Last UpdatedMay 12, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
New Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.00% APR/OAC
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Used Auto Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.25% APR/OAC
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
129 S 9th St, St Maries, ID, 83861
New Vehicles
4.75%
36 to 84
▼
APR4.75%
Term36 to 84
Last UpdatedMay 12, 2026
Details
As Low As
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
129 S 9th St, St Maries, ID, 83861
Used Vehicles
4.75%
36 to 72
▼
APR4.75%
Term36 to 72
Last UpdatedMay 12, 2026
Details
As Low As
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID, 83501
Auto Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto (7 Years Old or Newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
Up to 60 Months (700+ Credit Score)
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
3511 S 25th E, Ammon, ID, 83406 6101
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 10, 2026
Details
As Low As
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
New Auto
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.25% APR/OAC
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedMay 12, 2026
Details
As Low As
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Older (2022 and Older) Auto Loans
4.99%
60 Month
▼
APR4.99%
Term60 Month
Last UpdatedMay 12, 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 (80%-125% MSRP Financing)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 12, 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 (80%-110% Kelly Blue Book Value)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
Auto Loan
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID, 83202
Auto Loan
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details
72 Months
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
3511 S 25th E, Ammon, ID, 83406 6101
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMay 10, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.24%
12 - 66
▼
APR5.24%
Term12 - 66
Last UpdatedMay 12, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Used Auto
5.24%
Up to 84 Months
▼
APR5.24%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Older (2022 and Older) Auto Loans
5.24%
72 Month
▼
APR5.24%
Term72 Month
Last UpdatedMay 12, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
New Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.00% APR/OAC
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car (80%-125% MSRP Financing)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 12, 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 (80%-110% Kelly Blue Book Value)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 12, 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 (80%-125% MSRP Financing)
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 12, 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 (80%-110% Kelly Blue Book Value)
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID, 83202
Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.49%
67 - 72
▼
APR5.49%
Term67 - 72
Last UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
▼
APR5.49%
Term84 Month
Last UpdatedMay 12, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID, 83202
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. 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: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
New Auto Loan
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Loan Amount: No Minimum; Vehicle Age: 2021+
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Older (2022 and Older) Auto Loans
5.74%
84 Month
▼
APR5.74%
Term84 Month
Last UpdatedMay 12, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
New Auto Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.00% APR/OAC
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Used Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 26.00% APR/OAC
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
129 S 9th St, St Maries, ID, 83861
Used Vehicles - over 10 years
5.75%
36 to 72
▼
APR5.75%
Term36 to 72
Last UpdatedMay 12, 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 (80%-125% MSRP Financing)
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
84 Months
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMay 10, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Vehicle Age: 2021+
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 12, 2026
Details
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Used Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 26.25% APR/OAC
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Newer (2023 and Newer) Auto Loans
5.99%
96 Month
▼
APR5.99%
Term96 Month
Last UpdatedMay 12, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
36 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto (Over 7 Years Old)
6.49%
24 Months
▼
APR6.49%
Term24 Months
Last UpdatedMay 6, 2026
Details
24 Months
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Used Auto Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 26.25% APR/OAC
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID, 83501
Used Vehicle
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto
7.09%
96 Months
▼
APR7.09%
Term96 Months
Last UpdatedMay 6, 2026
Details
96 Months
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID, 83713
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMay 10, 2026
Details
$30,000; As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
14.74%
12 - 66
▼
APR14.74%
Term12 - 66
Last UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
14.99%
67 - 72
▼
APR14.99%
Term67 - 72
Last UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
15.49%
73 - 84
▼
APR15.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details
Powered by
MonitorBankRates
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: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Newer (2023 and Newer) Auto Loans
4.49%
36 Month
▼
APR4.49%
Term36 Month
Last UpdatedMay 12, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
New Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.00% APR/OAC
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
New Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.00% APR/OAC
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
129 S 9th St, St Maries, ID, 83861
New Vehicles
4.75%
36 to 84
▼
APR4.75%
Term36 to 84
Last UpdatedMay 12, 2026
Details
As Low As
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto (7 Years Old or Newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
Up to 60 Months (700+ Credit Score)
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
3511 S 25th E, Ammon, ID, 83406 6101
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
New Auto
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedMay 12, 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 (80%-125% MSRP Financing)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; up to 90% financing
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID, 83202 2336
New Auto Loan
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 100% financing
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details
72 Months
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
3511 S 25th E, Ammon, ID, 83406 6101
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.24%
12 - 66
▼
APR5.24%
Term12 - 66
Last UpdatedMay 12, 2026
Details
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
New Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.00% APR/OAC
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car (80%-125% MSRP Financing)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 12, 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 (80%-125% MSRP Financing)
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.49%
67 - 72
▼
APR5.49%
Term67 - 72
Last UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
▼
APR5.49%
Term84 Month
Last UpdatedMay 12, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
New Auto Loan
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Loan Amount: No Minimum; Vehicle Age: 2021+
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
New Auto Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.00% APR/OAC
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car (80%-125% MSRP Financing)
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
84 Months
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Vehicle Age: 2021+
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID, 83655
Newer (2023 and Newer) Auto Loans
5.99%
96 Month
▼
APR5.99%
Term96 Month
Last UpdatedMay 12, 2026
Details
As Low As
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
New Auto
7.09%
96 Months
▼
APR7.09%
Term96 Months
Last UpdatedMay 6, 2026
Details
96 Months
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
14.74%
12 - 66
▼
APR14.74%
Term12 - 66
Last UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
14.99%
67 - 72
▼
APR14.99%
Term67 - 72
Last UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID, 83646 5470
New Auto Loan
15.49%
73 - 84
▼
APR15.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Used Auto Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.25% APR/OAC
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
129 S 9th St, St Maries, ID, 83861
Used Vehicles
4.75%
36 to 72
▼
APR4.75%
Term36 to 72
Last UpdatedMay 12, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
3511 S 25th E, Ammon, ID, 83406 6101
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 25.25% APR/OAC
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car (80%-110% Kelly Blue Book Value)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Used Auto
5.24%
Up to 84 Months
▼
APR5.24%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car (80%-110% Kelly Blue Book Value)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 12, 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 (80%-110% Kelly Blue Book Value)
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Used Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 26.00% APR/OAC
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.47%
129 S 9th St, St Maries, ID, 83861
Used Vehicles - over 10 years
5.75%
36 to 72
▼
APR5.75%
Term36 to 72
Last UpdatedMay 12, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Used Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 26.25% APR/OAC
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
36 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID, 83201 2616
Used Auto (Over 7 Years Old)
6.49%
24 Months
▼
APR6.49%
Term24 Months
Last UpdatedMay 6, 2026
Details
24 Months
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
1515 Hoopes Ave, Idaho Falls, ID, 83404
Used Auto Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; to 26.25% APR/OAC
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID, 83501
Used Vehicle
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID, 83854
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Powered by
MonitorBankRates
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
5.906%
▼ 0.095 vs 7 days ago
Idaho new auto rates fell 0.095 points over the past 7 days to 5.906% APR.
Used Auto Loan — ID Avg
6.263%
▲ 0.072 vs 7 days ago
Idaho used auto rates rose 0.072 points over the past 7 days to 6.263% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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:
- TruGrocer Federal Credit Union: 3.99% (Vehicle Loan)
- Rails West Federal Credit Union: 4.09% (Auto Loan)
- Lewis Clark Credit Union: 4.25% (Autos)
- Rogue Credit Union: 4.49% (Newer (2023 and Newer) Auto Loans)
- Members Preferred Credit Union: 4.50% (New Auto Loan)
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: May 12, 2026
Auto Loan Rates by City in Idaho
Rate Assistant
MonitorBankRates.com · Live Data
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