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Auto Loan Rates in Ponderay, Idaho (ID) for May 2026

Content reviewed by
Brian McKay Brian McKay
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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| i Editorial Disclosure
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 Ponderay, Idaho. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 12, 2026

Current auto loan rates in Ponderay, Idaho include Numerica Credit UnionNumerica Credit Union200 Bonner Mall Way, Ponderay, ID, 83852A+5.0 ★Texas Ratio: 2.80% offering Auto loans1 at 4.74%, Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union476864 Highway 95 Ste D, PONDERAY, ID, 83852A+5.0 ★Texas Ratio: 4.34% offering Auto Loan at 4.74%, 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%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Ponderay has 2 local institutions in our database, with auto loan rates as low as 4.74% APR from Numerica Credit Union at 200 Bonner Mall Way, Ponderay, ID, 83852. 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 Ponderay, Idaho. Auto Loan Rates Last Updated and Verified: May 12, 2026

Compare Auto Loan Rates Today in Ponderay, Idaho & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
200 Bonner Mall Way, Ponderay, ID, 83852
Auto loans1
4.74%
Up to 84 months
View
▼
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%
476864 Highway 95 Ste D, PONDERAY, ID, 83852
Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
476864 Highway 95 Ste D, PONDERAY, ID, 83852
Auto Loan
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
476864 Highway 95 Ste D, PONDERAY, ID, 83852
Used Vehicle
6.99%
60 Months
View
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.69%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; up to 90% financing

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Older (2022 and Older) Auto Loans
4.74%
36 Month
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.99%
Term5 Years
Last UpdatedMay 10, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
New Auto
4.99%
Up to 84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.24%
Term12 - 66
Last UpdatedMay 12, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
5.24%
Up to 84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.75%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; to 26.25% APR/OAC

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
7.09%
96 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR15.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details

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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
New Auto
4.99%
Up to 84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR15.49%
Term73 - 84
Last UpdatedMay 12, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
476864 Highway 95 Ste D, PONDERAY, ID, 83852
Used Vehicle
6.99%
60 Months
View
▼
APR6.99%
Term60 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
4.75%
36 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.00%
Term24 Months
Last UpdatedMay 12, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
5.24%
Up to 84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.75%
Term72 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
7.24%
60 Months
View
▼
APR7.24%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Ponderay, ID Auto Loan Rate Trends

Compare local Ponderay, 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.

View Full Idaho Auto Trends →
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 Ponderay, 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 Ponderay, 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 Ponderay, 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 Ponderay, Idaho?

Based on our current data, some of the lowest auto loan rates available in Ponderay, Idaho include:
  • Numerica Credit Union: 4.74% (Auto loans1)
  • Potlatch No 1 Financial Credit Union: 4.74% (Auto Loan)
  • TruGrocer Federal Credit Union: 3.99% (Vehicle Loan)
  • Rails West Federal Credit Union: 4.09% (Auto Loan)
  • Lewis Clark Credit Union: 4.25% (Autos)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Ponderay, Idaho. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

Ponderay, Idaho Rates & Resources

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