Auto Loan Rates in Caldwell, Idaho (ID) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Caldwell, Idaho include Idaho Central Credit UnionIdaho Central Credit Union4821 Cleveland Blvd, Caldwell, ID, 83605A+5.0 ★Texas Ratio: 3.86% offering Vehicle Loan at 5.19%, Rails West Federal Credit UnionRails West Federal Credit UnionA+5.0 ★Texas Ratio: 2.13% offering Auto Loan at 4.09%, Lewis Clark Credit UnionLewis Clark Credit UnionA+5.0 ★Texas Ratio: 3.94% offering Autos at 4.25%, SEI Federal Credit UnionSEI Federal Credit UnionA5.0 ★Texas Ratio: 10.07% offering Auto Loans at 4.74%, Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit UnionA+5.0 ★Texas Ratio: 3.53% offering New Auto Up to 60 months at 4.99%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Caldwell has 1 local institution in our database, with auto loan rates as low as 5.19% APR from Idaho Central Credit Union at 4821 Cleveland Blvd, Caldwell, ID, 83605. 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 Caldwell, Idaho. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Caldwell, Idaho & Surrounding Area
Caldwell Auto Loan Rates
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
As Low As; 90% financing
As Low As; 100% financing
As Low As
As Low As; 90% financing
As Low As; 100% financing
As Low As; 90% financing
7 Years and Newer. The Annual Percentage Rates (APR) are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; 100% financing
(700+ score)
As Low As
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As
As Low As
As Low As; 90% financing
As Low As; 100% financing
7 Years and Newer. The Annual Percentage Rates (APR) are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
As Low As
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As
As Low As
As Low As
As Low As
As Low As; Vehicle Age: 2021+
As Low As
8-15 Years Old. The Annual Percentage Rates (APR) are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
7 Years and Newer. The Annual Percentage Rates (APR) are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; Vehicle Age: 2021+
Vehicle Age: 2012 - 2020
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
Vehicle Age: 2012 - 2020
*
700+ score
8-15 Years Old. The Annual Percentage Rates (APR) are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
7 Years and Newer. The Annual Percentage Rates (APR) are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Vehicle Age: 2011 & Older
$30,000; As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
8-15 Years Old. The Annual Percentage Rates (APR) are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
8-15 Years Old. The Annual Percentage Rates (APR) are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Caldwell New Auto Auto Loan Rates
(700+ score)
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Vehicle Age: 2021+
As Low As
As Low As; Vehicle Age: 2021+
Caldwell Used Auto Auto Loan Rates
As Low As
As Low As
As Low As
As Low As
Vehicle Age: 2012 - 2020
Vehicle Age: 2012 - 2020
*
700+ score
Vehicle Age: 2011 & Older
Caldwell, ID Auto Loan Rate Trends
Compare local Caldwell, 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.
Idaho new auto rates rose 0.079 points over the past 7 days to 5.880% APR.
Idaho used auto rates fell 0.069 points over the past 7 days to 6.158% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Caldwell, Idaho auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Caldwell, Idaho directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Caldwell, Idaho. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in ID.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Caldwell, Idaho
How does my credit score affect my car loan rate in Idaho?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Caldwell, Idaho?
- Idaho Central Credit Union: 5.19% (Vehicle Loan)
- Rails West Federal Credit Union: 4.09% (Auto Loan)
- Lewis Clark Credit Union: 4.25% (Autos)
- SEI Federal Credit Union: 4.74% (Auto Loans)
- Advantage Plus Federal Credit Union: 4.99% (New Auto Up to 60 months)
