Auto Loan Rates in American Falls, Idaho (ID) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
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 American Falls, Idaho. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in American Falls, Idaho include Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit Union465 Hillcrest Ave, American Falls, ID, 83211A+5.0 ★Texas Ratio: 3.63% offering New Auto (7 Years Old or Newer) at 4.99%, 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%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.
American Falls has 1 local institution in our database, with auto loan rates as low as 4.99% APR from Advantage Plus Federal Credit Union at 465 Hillcrest Ave, American Falls, ID, 83211. 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 American Falls, Idaho. Auto Loan Rates Last Updated and Verified: May 4, 2026
Compare Auto Loan Rates Today in American Falls, Idaho & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
New Auto (7 Years Old or Newer)
4.99%
Up to 60 Months (700+ Credit Score)
▼
APR4.99%
TermUp to 60 Months (700+ Credit Score)
Last UpdatedApr 25, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 25, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
New Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 25, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
Used Auto
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedApr 25, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
Used Auto (Over 7 Years Old)
6.49%
24 Months
▼
APR6.49%
Term24 Months
Last UpdatedApr 25, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
New Auto
7.09%
96 Months
▼
APR7.09%
Term96 Months
Last UpdatedApr 25, 2026
Details
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
As Low As; 100% financing
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedMay 2, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 2, 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 2, 2026
Details
As Low As
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 UpdatedApr 17, 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 UpdatedApr 17, 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
▼
APR4.74%
Term36 Month
Last UpdatedMay 2, 2026
Details
As Low As
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 2, 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 2, 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
▼
APR4.75%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
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 2, 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 2, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 2, 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 2, 2026
Details
As Low As; Fixed
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 2, 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 2, 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 2, 2026
Details
As Low As
APR4.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
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 2, 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 2, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
As Low As; 100% financing
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Auto Loan
5.24%
60-month
▼
APR5.24%
Term60-month
Last UpdatedMay 2, 2026
Details
As Low As; New & used car loans
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 2, 2026
Details
As Low As; Fixed
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 2, 2026
Details
As Low As; Fixed
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 2, 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 2, 2026
Details
As Low As
APR5.24%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
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 2, 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 2, 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 2, 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 2, 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 2, 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 2, 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 2, 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 2, 2026
Details
As Low As
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 2, 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 2, 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 2, 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 2, 2026
Details
As Low As
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 2, 2026
Details
As Low As
First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
Auto Loan
5.86%
60 Months
▼
APR5.86%
Term60 Months
Last UpdatedMay 4, 2026
Details
First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
Auto Loan
5.86%
48 Months
▼
APR5.86%
Term48 Months
Last UpdatedMay 4, 2026
Details
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 2, 2026
Details
As Low As; Fixed
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 2, 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 2, 2026
Details
As Low As; Loan Amount: No Minimum, Vehicle Age: 2012 - 2020
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 2, 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 2, 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 2, 2026
Details
As Low As
First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
Auto Loan
6.12%
72 Months
▼
APR6.12%
Term72 Months
Last UpdatedMay 4, 2026
Details
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 2, 2026
Details
As Low As; Loan Amount: $15,000+, Vehicle Age: 2012 - 2020
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 2, 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 2, 2026
Details
As Low As; Loan Amount: No Minimum, Vehicle Age: 2011 & Older
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 2, 2026
Details
$30,000; As Low As; Fixed
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 2, 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 2, 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 2, 2026
Details
APR15.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
16.24%
Up to 84 Months
▼
APR16.24%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
New Auto (7 Years Old or Newer)
4.99%
Up to 60 Months (700+ Credit Score)
▼
APR4.99%
TermUp to 60 Months (700+ Credit Score)
Last UpdatedApr 25, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 25, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
New Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 25, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
New Auto
7.09%
96 Months
▼
APR7.09%
Term96 Months
Last UpdatedApr 25, 2026
Details
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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 17, 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 2, 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 2, 2026
Details
As Low As
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 UpdatedApr 17, 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 2, 2026
Details
As Low As
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 2, 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 UpdatedApr 17, 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
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedMay 2, 2026
Details
As Low As
APR4.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
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 2, 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 UpdatedApr 17, 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 UpdatedApr 17, 2026
Details
As Low As; 100% financing
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 2, 2026
Details
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 2, 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 2, 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 2, 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 2, 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 2, 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 2, 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 2, 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 2, 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 2, 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 2, 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 2, 2026
Details
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 2, 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 2, 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 2, 2026
Details
APR15.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
Used Auto
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedApr 25, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
465 Hillcrest Ave, American Falls, ID, 83211
Used Auto (Over 7 Years Old)
6.49%
24 Months
▼
APR6.49%
Term24 Months
Last UpdatedApr 25, 2026
Details
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 2, 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 2, 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 2, 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 2, 2026
Details
As Low As
APR5.24%
TermUp to 84 Months
Last UpdatedMay 2, 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 2, 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 2, 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 2, 2026
Details
As Low As
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 2, 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 2, 2026
Details
As Low As; Loan Amount: No Minimum, Vehicle Age: 2012 - 2020
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 2, 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 2, 2026
Details
As Low As; Loan Amount: $15,000+, Vehicle Age: 2012 - 2020
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 2, 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 2, 2026
Details
As Low As; Loan Amount: No Minimum, Vehicle Age: 2011 & Older
CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
16.24%
Up to 84 Months
▼
APR16.24%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
American Falls, ID Auto Loan Rate Trends
Compare local American Falls, 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
6.000%
▼ 0.200 vs 7 days ago
Idaho new auto rates fell 0.200 points over the past 7 days to 6.000% APR.
Used Auto Loan — ID Avg
6.191%
▲ 0.044 vs 7 days ago
Idaho used auto rates rose 0.044 points over the past 7 days to 6.191% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in American Falls, 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 American Falls, 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 American Falls, 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 American Falls, Idaho?
Based on our current data, some of the lowest auto loan rates available in American Falls, Idaho include:
- Advantage Plus Federal Credit Union: 4.99% (New Auto (7 Years Old or Newer))
- 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)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in American Falls, Idaho. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking