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

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Laclede, Idaho. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 4, 2026

Current auto loan rates in Laclede, Idaho include 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%, Members Preferred Credit UnionMembers Preferred Credit UnionA+5.0 ★Texas Ratio: 2.39% offering New Auto Loan at 4.50%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.

Laclede borrowers have access to 15 lenders serving the Idaho area, with auto loan rates as low as 3.99% APR from TruGrocer Federal Credit Union. 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 Laclede, Idaho. Auto Loan Rates Last Updated and Verified: May 4, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
View
▼
APR3.99%
Term24 Months
Last 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.89%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto (7 Years Old or Newer)
4.99%
Up to 60 Months (700+ Credit Score)
View
▼
APR4.99%
TermUp to 60 Months (700+ Credit Score)
Last UpdatedApr 25, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedMay 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
View
▼
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
View
▼
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
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
New Auto
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedMay 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.19%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; 100% financing

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 25, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Auto Loan
5.24%
60-month
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.24%
Term72 Month
Last UpdatedMay 2, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
5.24%
Up to 84 Months
View
▼
APR5.24%
TermUp to 84 Months
Last UpdatedMay 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.86%
Term48 Months
Last UpdatedMay 4, 2026
Details

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 25, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedMay 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Loan Amount: $15,000+, Vehicle Age: 2012 - 2020

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Used Auto
6.49%
36 Months
View
▼
APR6.49%
Term36 Months
Last UpdatedApr 25, 2026
Details

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Used Auto (Over 7 Years Old)
6.49%
24 Months
View
▼
APR6.49%
Term24 Months
Last UpdatedApr 25, 2026
Details

Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loan
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
7.09%
96 Months
View
▼
APR7.09%
Term96 Months
Last UpdatedApr 25, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Used Auto Loan
7.24%
60 Months
View
▼
APR7.24%
Term60 Months
Last UpdatedMay 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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR15.49%
Term73 - 84
Last UpdatedMay 2, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
New Auto
15.99%
Up to 84 Months
View
▼
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
View
▼
APR16.24%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan
4.09%
36 Months
View
▼
APR4.09%
Term36 Months
Last 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.79%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As; 100% financing

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto (7 Years Old or Newer)
4.99%
Up to 60 Months (700+ Credit Score)
View
▼
APR4.99%
TermUp to 60 Months (700+ Credit Score)
Last UpdatedApr 25, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Newer (2023 and Newer) Auto Loans
4.99%
72 Month
View
▼
APR4.99%
Term72 Month
Last UpdatedMay 2, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
New Auto
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedMay 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
View
▼
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
View
▼
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
View
▼
APR5.19%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; 100% financing

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 25, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto Loan
5.24%
12 - 66
View
▼
APR5.24%
Term12 - 66
Last UpdatedMay 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 25, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
New Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 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
View
▼
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
View
▼
APR5.99%
Term96 Month
Last UpdatedMay 2, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
7.09%
96 Months
View
▼
APR7.09%
Term96 Months
Last UpdatedApr 25, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto Loan
14.74%
12 - 66
View
▼
APR14.74%
Term12 - 66
Last UpdatedMay 2, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto Loan
14.99%
67 - 72
View
▼
APR14.99%
Term67 - 72
Last UpdatedMay 2, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
New Auto Loan
15.49%
73 - 84
View
▼
APR15.49%
Term73 - 84
Last UpdatedMay 2, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
New Auto
15.99%
Up to 84 Months
View
▼
APR15.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loan
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 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
View
▼
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
View
▼
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
View
▼
APR5.00%
Term24 Months
Last UpdatedMay 2, 2026
Details

As Low As

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Used Auto
5.24%
Up to 84 Months
View
▼
APR5.24%
TermUp to 84 Months
Last UpdatedMay 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.24%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Loan Amount: $15,000+, Vehicle Age: 2012 - 2020

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Used Auto
6.49%
36 Months
View
▼
APR6.49%
Term36 Months
Last UpdatedApr 25, 2026
Details

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Used Auto (Over 7 Years Old)
6.49%
24 Months
View
▼
APR6.49%
Term24 Months
Last UpdatedApr 25, 2026
Details

Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loan
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedMay 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
View
▼
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
View
▼
APR16.24%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Laclede, ID Auto Loan Rate Trends

Compare local Laclede, ID auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Idaho Auto Trends →
New Auto Loan — ID Avg
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 Laclede, 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 Laclede, 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 Laclede, 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 Laclede, Idaho?

Based on our current data, some of the lowest auto loan rates available in Laclede, Idaho include:
  • 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)
  • Members Preferred Credit Union: 4.50% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Laclede, Idaho. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026

Laclede, Idaho Rates & Resources

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