Coeur Dalene, Idaho Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Coeur Dalene, Idaho range from 3.79% to 6.14% APR across the five lenders featured below, verified by MonitorBankRates as of September 27, 2026. Current auto loan rates in Coeur Dalene, Idaho include Chase BankChase Bank143 W Neider Ave, Coeur DAlene, ID, 83815A+5.0 ★Texas Ratio: 3.77% offering New car purchase Loan at 6.14%, Responders Emergency Services Credit UnionResponders Emergency Services Credit UnionA+5.0 ★Texas Ratio: 0.03% offering New & Used Automobiles and Street Motorcycles at 3.79%, CUTTING EDGECUTTING EDGEA+5.0 ★Texas Ratio: 0.91% offering New Auto at 3.99%, Pioneer Federal Credit UnionPioneer Federal Credit UnionA5.0 ★Texas Ratio: 7.01% offering New and Used Vehicles Loan at 4.24%, Lewis Clark Credit UnionLewis Clark Credit UnionA+5.0 ★Texas Ratio: 4.24% offering Autos at 4.25%. Auto loan rates as of September 27, 2026 according to verified data from MonitorBankRates.
Coeur Dalene has 1 local institution in our database, with auto loan rates as low as 6.14% APR from Chase Bank at 143 W Neider Ave, Coeur DAlene, ID, 83815. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Coeur Dalene, Idaho. Auto Loan Rates Last Updated and Verified: September 27, 2026
Compare Auto Loan Rates Today in Coeur Dalene, Idaho & Surrounding Area
Coeur Dalene Auto Loan Rates
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
APR based on 60 months and $45,000
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
APR based on 60 months and $30,000
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; depending on loan amount
As Low As; Special
Published APR range: 3.99 to 15.99%.
- Sep 22, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Published APR range: 3.99 to 16.24%.
- Sep 22, 20263.99%▼ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Rate: 4.24%
As low as
As low as up to 90% financing
As low as 100% financing
As Low As; Rate: 4.44%
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
As Low As; *
As Low As; *
As Low As; *
As low as up to 90% financing
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
Published rate range: 4.74% - 14.99%.
As low as 100% financing
As Low As; *
As Low As; *
Published APR range: 4.75% to 25.25%. As Low As; OAC
As low as
As low as
As low as up to 90% financing
As low as up to 90% financing
700+ score
As low as
As Low As; Fixed
As Low As; *
As Low As; *
Published APR range: 4.99% to 25.25%. As Low As; OAC
Published APR range: 4.99% to 25.50%. As Low As; OAC
As Low As; Financing 80%-125% MSRP
As Low As; Financing 80%-125% MSRP
As Low As; Financing 80%-125% MSRP
As Low As; Financing 80%-110% Kelly Blue Book Value
As Low As; Financing 80%-110% Kelly Blue Book Value
As Low As; Financing 80%-110% Kelly Blue Book Value
As low as 100% financing
As low as 100% financing
As Low As
- Sep 27, 20265.15%▲ from 4.85%
- Sep 14, 20264.85%first recorded
as low as
As Low As; Fixed
As Low As; *
As Low As; Financing 80%-125% MSRP
As Low As; Financing 80%-110% Kelly Blue Book Value
Published APR range: 5.25% to 25.50%. As Low As; OAC
As low as up to 90% financing
As Low As; Financing 80%-125% MSRP
As Low As; Financing 80%-110% Kelly Blue Book Value
As low as 100% financing
As Low As
- Sep 27, 20265.45%▲ from 5.10%
- Sep 14, 20265.10%first recorded
over $10,000
Term: 2017 - 2026 / with less than 150,000 miles; As Low As
As Low As; *
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Published APR range: 5.50% to 25.25%. As Low As; OAC
*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.
As Low As; Rate: 5.64%
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
As Low As; *
As Low As; Financing 80%-125% MSRP
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.
As Low As; Rate: 5.84%
As Low As; Fixed
Vehicle Age: 2020+; Loan Amount: $15,000+
Vehicle Age: 2015 - 2019
Vehicle Age: 2015 - 2019
Vehicle Age: 2015 - 2019
- Sep 18, 20265.99%▼ from 7.24%
- Sep 14, 20267.24%first recorded
Vehicle Age: 2015 - 2019
As Low As; *
Published APR range: 5.99% to 25.25%. As Low As; OAC
Published APR range: 5.99% to 26.25%. As Low As; OAC
Published APR range: 5.99% to 26.50%. As Low As; OAC
As Low As; Rate: 6.04%
*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.
over $10,000
over $20,000
Loan Amount: $15,000+; Vehicle Age: 2015 - 2019
Published APR range: 6.25% to 26.50%. As Low As; OAC
700+ score
700+ score
Qualifications Required: Rewards Checking monthly qualification cycle parameters; auto-pay set up from Rewards Checking account; automatic payment active; qualifying Rewards Plus Checking; As Low As; The "as low as" APR includes the 0.25% discount for those members that meet the Rewards Checking monthly qualification cycle parameters and have auto-pay set up from their Rewards Checking account. Members must keep the automatic payment active and have a qualifying Rewards Plus Checking to keep the discount. If the automatic payment is discontinued, or if the Rewards Plus Checking is considered "non-qualifying" for more than 60 days, the loan discount will be removed, and the payment may increase to reflect the change in interest rate. Rates quoted are for top tier FICO scores.
Qualifications Required: Rewards Checking monthly qualification cycle parameters; auto-pay set up from Rewards Checking account; automatic payment active; qualifying Rewards Plus Checking; As Low As; The "as low as" APR includes the 0.25% discount for those members that meet the Rewards Checking monthly qualification cycle parameters and have auto-pay set up from their Rewards Checking account. Members must keep the automatic payment active and have a qualifying Rewards Plus Checking to keep the discount. If the automatic payment is discontinued, or if the Rewards Plus Checking is considered "non-qualifying" for more than 60 days, the loan discount will be removed, and the payment may increase to reflect the change in interest rate. Rates quoted are for top tier FICO scores.
over $20,000
Published APR range: 6.99% to 26.50%. As Low As; OAC
Vehicle Age: 2014 & Older
Term: 2016 and older OR over 150,000 miles; As Low As
Qualifications Required: Rewards Checking monthly qualification cycle parameters; auto-pay set up from Rewards Checking account; automatic payment active; qualifying Rewards Plus Checking; As Low As; The "as low as" APR includes the 0.25% discount for those members that meet the Rewards Checking monthly qualification cycle parameters and have auto-pay set up from their Rewards Checking account. Members must keep the automatic payment active and have a qualifying Rewards Plus Checking to keep the discount. If the automatic payment is discontinued, or if the Rewards Plus Checking is considered "non-qualifying" for more than 60 days, the loan discount will be removed, and the payment may increase to reflect the change in interest rate. No Untitled Vehicles. New vehicle rates apply only to vehicles titled for the first time and rates are available to members on approved credit. Rates quoted are for top tier FICO scores.
$30,000; As Low As; Fixed
over $10,000
over $20,000
2006 and older add 2%
over $10,000
Coeur Dalene New Auto Auto Loan Rates
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
APR based on 60 months and $45,000
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; depending on loan amount
As Low As; Special
Published APR range: 3.99 to 15.99%.
- Sep 22, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rate: 4.24%
As Low As; Rate: 4.44%
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
As Low As; *
As Low As; *
As Low As; *
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
As low as
700+ score
As low as
As Low As; *
As Low As; Financing 80%-125% MSRP
As Low As; Financing 80%-125% MSRP
As Low As; Financing 80%-125% MSRP
as low as
As Low As; Financing 80%-125% MSRP
As Low As; Financing 80%-125% MSRP
over $10,000
As Low As; *
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Rate: 5.64%
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
Vehicle Age: 2020+; Loan Amount: No Minimum
As Low As; Financing 80%-125% MSRP
As Low As; Rate: 5.84%
Vehicle Age: 2020+; Loan Amount: $15,000+
As Low As; *
As Low As; Rate: 6.04%
over $20,000
Coeur Dalene Used Auto Auto Loan Rates
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
APR based on 60 months and $30,000
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; depending on loan amount
As Low As; Special
Published APR range: 3.99 to 16.24%.
- Sep 22, 20263.99%▼ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Rate: 4.24%
As Low As; Rate: 4.44%
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
As Low As; For new and used vehicles. Some Promotional Rates May Require Payroll Direct Deposit and Automatic Transfer from RESCU Checking Account
As low as
As low as
Published APR range: 4.99% to 25.50%. As Low As; OAC
As Low As; Financing 80%-110% Kelly Blue Book Value
As Low As; Financing 80%-110% Kelly Blue Book Value
As Low As; Financing 80%-110% Kelly Blue Book Value
As Low As; Financing 80%-110% Kelly Blue Book Value
Published APR range: 5.25% to 25.50%. As Low As; OAC
As Low As; Financing 80%-110% Kelly Blue Book Value
As Low As; Rate: 5.64%
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As low as
As Low As; Rate: 5.84%
Vehicle Age: 2015 - 2019
Vehicle Age: 2015 - 2019
Vehicle Age: 2015 - 2019
- Sep 18, 20265.99%▼ from 7.24%
- Sep 14, 20267.24%first recorded
Vehicle Age: 2015 - 2019
Published APR range: 5.99% to 26.25%. As Low As; OAC
Published APR range: 5.99% to 26.50%. As Low As; OAC
As Low As; Rate: 6.04%
Loan Amount: $15,000+; Vehicle Age: 2015 - 2019
Published APR range: 6.25% to 26.50%. As Low As; OAC
700+ score
700+ score
Published APR range: 6.99% to 26.50%. As Low As; OAC
Vehicle Age: 2014 & Older
Coeur Dalene, ID Auto Loan Rate Trends
Compare local Coeur Dalene, 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 fell 0.141 points over the past 7 days to 5.704% APR.
Idaho used auto rates rose 0.114 points over the past 7 days to 6.124% APR.
Coeur Dalene, ID Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Idaho figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Idaho APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.70% APR ID average | Used Auto @ 6.12% APR ID average | Monthly Difference |
|---|---|---|---|
| $15,000 | $287.93/mo | $290.86/mo | $2.93/mo |
| $25,000 | $479.88/mo | $484.77/mo | $4.88/mo |
| $35,000 | $671.84/mo | $678.67/mo | $6.84/mo |
| $45,000 | $863.79/mo | $872.58/mo | $8.79/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Coeur Dalene, Idaho
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Coeur Dalene, Idaho locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Idaho. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Coeur Dalene, Idaho high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Coeur Dalene, Idaho CD rates lock in a guaranteed return until you’re ready to buy
Idaho Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $576 monthly car payment works out to roughly 17.2% of the median individual income in Idaho. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Coeur Dalene, Idaho, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Coeur Dalene, Idaho. We’ve prefilled the APR with today’s ID new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Coeur Dalene, 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 Coeur Dalene, 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 Coeur Dalene, 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 Coeur Dalene, 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?
Should I get preapproved for an auto loan before visiting a dealer in Coeur Dalene, Idaho?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Coeur Dalene, Idaho?
- Chase Bank: 6.14% (New car purchase Loan)
- Responders Emergency Services Credit Union: 3.79% (New & Used Automobiles and Street Motorcycles)
- CUTTING EDGE: 3.99% (New Auto)
- Pioneer Federal Credit Union: 4.24% (New and Used Vehicles Loan)
- Lewis Clark Credit Union: 4.25% (Autos)
Coeur Dalene, Idaho Rates & Resources
