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Auto Loan Rates in American Falls, Idaho (ID) for March 2026

Content reviewed by
Brian McKay Brian McKay
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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 American Falls, 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: March 20, 2026

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%, Idaho Central Credit UnionIdaho Central Credit Union246 Idaho St, American Falls, ID, 83211 1236A+5.0 ★Texas Ratio: 4.09% offering Auto Loan at 5.44%, Rails West Federal Credit UnionRails West Federal Credit Union4708 Yellowstone Ave, Chubbuck, ID, 83202 2336A+5.0 ★Texas Ratio: 2.18% offering New Auto Loan at 4.09%, Pioneer Federal Credit UnionPioneer Federal Credit Union250 W 3rd S, Mountain Home, ID, 83647A5.0 ★Texas Ratio: 10.77% offering New and Used Vehicles at 4.24%, Lewis Clark Credit UnionLewis Clark Credit Union1626 17th St, Lewiston, ID, 83501A+5.0 ★Texas Ratio: 4.10% offering Autos at 4.25%.

Auto loan rates in American Falls, Idaho are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.

We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in American Falls, Idaho. Auto Loan Rates Last Updated and Verified: March 20, 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%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details

Up to 60 Months (700+ Credit Score)

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
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 17, 2026
Details

72 Months

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
246 Idaho St, American Falls, ID, 83211 1236
Auto Loan
5.44%
48 Months
View
▼
APR5.44%
Term48 Months
Last UpdatedMar 20, 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.

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
246 Idaho St, American Falls, ID, 83211 1236
Auto Loan
5.69%
60 Months
View
▼
APR5.69%
Term60 Months
Last UpdatedMar 20, 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%
465 Hillcrest Ave, American Falls, ID, 83211
New Auto
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMar 17, 2026
Details

84 Months

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
246 Idaho St, American Falls, ID, 83211 1236
Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 20, 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%
465 Hillcrest Ave, American Falls, ID, 83211
Used Auto
6.49%
36 Months
View
▼
APR6.49%
Term36 Months
Last UpdatedMar 17, 2026
Details

36 Months

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
View
▼
APR6.49%
Term24 Months
Last UpdatedMar 17, 2026
Details

24 Months

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
View
▼
APR7.09%
Term96 Months
Last UpdatedMar 17, 2026
Details

96 Months

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
View
▼
APR4.09%
Term36 Months
Last UpdatedMar 11, 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
View
▼
APR4.19%
Term36 Months
Last UpdatedMar 11, 2026
Details

As Low As; 100% financing

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMar 15, 2026
Details

As Low As

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
1626 17th St, Lewiston, ID, 83501
Autos
4.25%
Up to 96 Months
View
▼
APR4.25%
TermUp to 96 Months
Last UpdatedMar 20, 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
4.39%
48 Months
View
▼
APR4.39%
Term48 Months
Last UpdatedMar 11, 2026
Details

As Low As; up to 90% financing

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
4.44%
37 - 48 Months
View
▼
APR4.44%
Term37 - 48 Months
Last UpdatedMar 15, 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
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMar 11, 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
View
▼
APR4.49%
Term36 Month
Last UpdatedMar 11, 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
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 17, 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
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedMar 11, 2026
Details

As Low As; up to 90% financing

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
View
▼
APR4.74%
Term36 Month
Last UpdatedMar 11, 2026
Details

As Low As

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
View
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 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
View
▼
APR4.75%
Term60 Months
Last UpdatedMar 17, 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
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 17, 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
New Vehicles
4.75%
36 to 84
View
▼
APR4.75%
Term36 to 84
Last UpdatedMar 15, 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
View
▼
APR4.75%
Term36 to 72
Last UpdatedMar 15, 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
View
▼
APR4.79%
Term60 Months
Last UpdatedMar 11, 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
View
▼
APR4.89%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID, 83440
Auto Loans 36 Months
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 20, 2026
Details

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
View
▼
APR4.99%
Term5 Years
Last UpdatedMar 17, 2026
Details

As Low As; Fixed

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
New & Used Autos
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 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
View
▼
APR4.99%
Term72 Month
Last UpdatedMar 11, 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
View
▼
APR4.99%
Term60 Month
Last UpdatedMar 11, 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
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 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
View
▼
APR5.00%
Term24 Months
Last UpdatedMar 15, 2026
Details

As Low As

Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car (80%-110% Kelly Blue Book Value)
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedMar 15, 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
View
▼
APR5.09%
Term84 Months
Last UpdatedMar 11, 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
View
▼
APR5.19%
Term84 Months
Last UpdatedMar 11, 2026
Details

As Low As; 100% financing

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID, 83440
Auto Loans 60 Months
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMar 20, 2026
Details

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
View
▼
APR5.24%
Term6 Years
Last UpdatedMar 17, 2026
Details

As Low As; Fixed

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
View
▼
APR5.24%
Term5 Years
Last UpdatedMar 17, 2026
Details

As Low As; Fixed

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 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
5.24%
12 - 66
View
▼
APR5.24%
Term12 - 66
Last UpdatedMar 15, 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
View
▼
APR5.24%
Term72 Month
Last UpdatedMar 11, 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)
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car (80%-110% Kelly Blue Book Value)
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMar 15, 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
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 17, 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
5.25%
Up to 84 Months
View
▼
APR5.25%
TermUp to 84 Months
Last UpdatedMar 16, 2026
Details

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
View
▼
APR5.35%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car (80%-110% Kelly Blue Book Value)
5.35%
72 Months
View
▼
APR5.35%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID, 83440
Auto Loans 72 Months
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 2026
Details

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMar 18, 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
5.49%
67 - 72
View
▼
APR5.49%
Term67 - 72
Last UpdatedMar 15, 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
View
▼
APR5.49%
Term84 Month
Last UpdatedMar 11, 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
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedMar 16, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
5.64%
49 - 60 Months
View
▼
APR5.64%
Term49 - 60 Months
Last UpdatedMar 15, 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
View
▼
APR5.74%
Term36 Months
Last UpdatedMar 20, 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
5.74%
84 Month
View
▼
APR5.74%
Term84 Month
Last UpdatedMar 11, 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
View
▼
APR5.75%
Term84 Months
Last UpdatedMar 15, 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
View
▼
APR5.75%
Term84 Months
Last UpdatedMar 17, 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
View
▼
APR5.75%
Term72 Months
Last UpdatedMar 17, 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 - over 10 years
5.75%
36 to 72
View
▼
APR5.75%
Term36 to 72
Last UpdatedMar 15, 2026
Details

As Low As

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
5.84%
61 - 72 Months
View
▼
APR5.84%
Term61 - 72 Months
Last UpdatedMar 15, 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
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedMar 17, 2026
Details

As Low As; Fixed

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
View
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 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
View
▼
APR5.99%
Term36 Months
Last UpdatedMar 20, 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
View
▼
APR5.99%
Term73 - 84
Last UpdatedMar 15, 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
View
▼
APR5.99%
Term96 Month
Last UpdatedMar 11, 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
View
▼
APR5.99%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
6.04%
73 - 84 Months
View
▼
APR6.04%
Term73 - 84 Months
Last UpdatedMar 15, 2026
Details

As Low As

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID, 83440
Auto Loans 84 Months
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedMar 20, 2026
Details

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
View
▼
APR6.24%
Term84 Months
Last UpdatedMar 20, 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
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedMar 17, 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
View
▼
APR7.24%
Term60 Months
Last UpdatedMar 20, 2026
Details

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
View
▼
APR7.74%
Term8 Years
Last UpdatedMar 17, 2026
Details

$30,000; As Low As; Fixed

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
View
▼
APR14.74%
Term12 - 66
Last UpdatedMar 15, 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
View
▼
APR14.99%
Term67 - 72
Last UpdatedMar 15, 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
View
▼
APR15.49%
Term73 - 84
Last UpdatedMar 15, 2026
Details

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%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details

Up to 60 Months (700+ Credit Score)

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
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 17, 2026
Details

72 Months

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
View
▼
APR5.99%
Term84 Months
Last UpdatedMar 17, 2026
Details

84 Months

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
View
▼
APR7.09%
Term96 Months
Last UpdatedMar 17, 2026
Details

96 Months

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
View
▼
APR4.09%
Term36 Months
Last UpdatedMar 11, 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
View
▼
APR4.19%
Term36 Months
Last UpdatedMar 11, 2026
Details

As Low As; 100% financing

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMar 15, 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
4.39%
48 Months
View
▼
APR4.39%
Term48 Months
Last UpdatedMar 11, 2026
Details

As Low As; up to 90% financing

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
4.44%
37 - 48 Months
View
▼
APR4.44%
Term37 - 48 Months
Last UpdatedMar 15, 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
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMar 11, 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
View
▼
APR4.49%
Term36 Month
Last UpdatedMar 11, 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
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 17, 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
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedMar 11, 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
View
▼
APR4.75%
Term60 Months
Last UpdatedMar 17, 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
New Vehicles
4.75%
36 to 84
View
▼
APR4.75%
Term36 to 84
Last UpdatedMar 15, 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
View
▼
APR4.79%
Term60 Months
Last UpdatedMar 11, 2026
Details

As Low As; 100% financing

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
New & Used Autos
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 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
View
▼
APR4.99%
Term72 Month
Last UpdatedMar 11, 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
View
▼
APR5.00%
Term24 Months
Last UpdatedMar 15, 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
View
▼
APR5.09%
Term84 Months
Last UpdatedMar 11, 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
View
▼
APR5.19%
Term84 Months
Last UpdatedMar 11, 2026
Details

As Low As; 100% financing

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 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
5.24%
12 - 66
View
▼
APR5.24%
Term12 - 66
Last UpdatedMar 15, 2026
Details

Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
New Car (80%-125% MSRP Financing)
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMar 15, 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
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 17, 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
5.25%
Up to 84 Months
View
▼
APR5.25%
TermUp to 84 Months
Last UpdatedMar 16, 2026
Details

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
View
▼
APR5.35%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMar 18, 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
5.49%
67 - 72
View
▼
APR5.49%
Term67 - 72
Last UpdatedMar 15, 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
View
▼
APR5.49%
Term84 Month
Last UpdatedMar 11, 2026
Details

As Low As

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
5.64%
49 - 60 Months
View
▼
APR5.64%
Term49 - 60 Months
Last UpdatedMar 15, 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
View
▼
APR5.74%
Term36 Months
Last UpdatedMar 20, 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
View
▼
APR5.75%
Term84 Months
Last UpdatedMar 15, 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
View
▼
APR5.75%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
5.84%
61 - 72 Months
View
▼
APR5.84%
Term61 - 72 Months
Last UpdatedMar 15, 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
View
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 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
View
▼
APR5.99%
Term73 - 84
Last UpdatedMar 15, 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
View
▼
APR5.99%
Term96 Month
Last UpdatedMar 11, 2026
Details

As Low As

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
6.04%
73 - 84 Months
View
▼
APR6.04%
Term73 - 84 Months
Last UpdatedMar 15, 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
14.74%
12 - 66
View
▼
APR14.74%
Term12 - 66
Last UpdatedMar 15, 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
View
▼
APR14.99%
Term67 - 72
Last UpdatedMar 15, 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
View
▼
APR15.49%
Term73 - 84
Last UpdatedMar 15, 2026
Details

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
View
▼
APR6.49%
Term36 Months
Last UpdatedMar 17, 2026
Details

36 Months

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
View
▼
APR6.49%
Term24 Months
Last UpdatedMar 17, 2026
Details

24 Months

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMar 15, 2026
Details

As Low As

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
4.44%
37 - 48 Months
View
▼
APR4.44%
Term37 - 48 Months
Last UpdatedMar 15, 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
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 17, 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
View
▼
APR4.75%
Term36 to 72
Last UpdatedMar 15, 2026
Details

As Low As

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
New & Used Autos
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 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
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 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
View
▼
APR5.00%
Term24 Months
Last UpdatedMar 15, 2026
Details

As Low As

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 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
View
▼
APR5.25%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID, 83687 3193
Used Car (80%-110% Kelly Blue Book Value)
5.35%
72 Months
View
▼
APR5.35%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID, 83201 5720
New & Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMar 18, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
2200 1st St, Lewiston, ID, 83501 3559
Used Auto
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedMar 16, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
5.64%
49 - 60 Months
View
▼
APR5.64%
Term49 - 60 Months
Last UpdatedMar 15, 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
View
▼
APR5.75%
Term72 Months
Last UpdatedMar 17, 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 - over 10 years
5.75%
36 to 72
View
▼
APR5.75%
Term36 to 72
Last UpdatedMar 15, 2026
Details

As Low As

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
5.84%
61 - 72 Months
View
▼
APR5.84%
Term61 - 72 Months
Last UpdatedMar 15, 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
View
▼
APR5.99%
Term36 Months
Last UpdatedMar 20, 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
View
▼
APR5.99%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID, 83647
New and Used Vehicles
6.04%
73 - 84 Months
View
▼
APR6.04%
Term73 - 84 Months
Last UpdatedMar 15, 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
View
▼
APR6.24%
Term84 Months
Last UpdatedMar 20, 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
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedMar 17, 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
View
▼
APR7.24%
Term60 Months
Last UpdatedMar 20, 2026
Details

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))
  • Idaho Central Credit Union: 5.44% (Auto Loan)
  • Rails West Federal Credit Union: 4.09% (New Auto Loan)
  • Pioneer Federal Credit Union: 4.24% (New and Used Vehicles)
  • Lewis Clark Credit Union: 4.25% (Autos)
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: March 20, 2026

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