Auto Loan Rates in Lava Hot Springs, Idaho (ID) for May 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 Lava Hot Springs, Idaho. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Lava Hot Springs, Idaho include TruGrocer Federal Credit UnionTruGrocer Federal Credit UnionA+5.0 ★Texas Ratio: 2.15% offering Vehicle Loan at 3.99%, Rails West Federal Credit UnionRails West Federal Credit UnionA+5.0 ★Texas Ratio: 2.18% offering Auto Loan at 4.09%, Lewis Clark Credit UnionLewis Clark Credit UnionA+5.0 ★Texas Ratio: 4.10% offering Autos at 4.25%, Rogue Credit UnionRogue Credit UnionA+5.0 ★Texas Ratio: 5.00% offering Newer (2023 and Newer) Auto Loans at 4.49%, Members Preferred Credit UnionMembers Preferred Credit UnionA+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.
Lava Hot Springs borrowers have access to 16 lenders serving the Idaho area, with auto loan rates as low as 3.99% APR from TruGrocer Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Lava Hot Springs, Idaho. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Lava Hot Springs, Idaho & Surrounding Area
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 10, 2026
Details
As Low As
APR4.99%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Auto Loan
5.24%
12 - 66
▼
APR5.24%
Term12 - 66
Last UpdatedMay 12, 2026
Details
APR5.24%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.99%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
New Auto Loan
15.49%
73 - 84
▼
APR15.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details
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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%
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%
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%
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%
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%
Used Car (80%-110% Kelly Blue Book Value)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR5.24%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Auto Loan
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Powered by
MonitorBankRates
Lava Hot Springs, ID Auto Loan Rate Trends
Compare local Lava Hot Springs, ID 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 15, 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 Lava Hot Springs, 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 Lava Hot Springs, 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 Lava Hot Springs, 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 Lava Hot Springs, 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 Lava Hot Springs, 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 Lava Hot Springs, 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 Lava Hot Springs, Idaho?
Based on our current data, some of the lowest auto loan rates available in Lava Hot Springs, 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 Lava Hot Springs, Idaho. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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