Auto Loan Rates in Montpelier, Idaho (ID) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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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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 Montpelier, Idaho. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Montpelier, Idaho include Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit Union177 N 4th St, Montpelier, ID, 83254 1535A+5.0 ★Texas Ratio: 3.63% offering New Auto (7 Years Old or Newer) at 4.99%, Rails West Federal Credit UnionRails West Federal Credit Union4708 Yellowstone Ave, Chubbuck, ID, 83202 2336A+5.0 ★Texas Ratio: 2.18% offering 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%, Rogue Credit UnionRogue Credit Union216 N Plymouth Ave, New Plymouth, ID, 83655A+5.0 ★Texas Ratio: 5.00% offering Newer (2023 and Newer) Auto Loans at 4.49%. Auto loan rates as of March 25, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Montpelier, 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 Montpelier, Idaho. Auto Loan Rates Last Updated and Verified: March 25, 2026
Compare Auto Loan Rates Today in Montpelier, 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%
177 N 4th St, Montpelier, ID, 83254 1535
New Auto (7 Years Old or Newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 24, 2026
Details
Up to 60 Months (700+ Credit Score)
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
177 N 4th St, Montpelier, ID, 83254 1535
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 24, 2026
Details
72 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
177 N 4th St, Montpelier, ID, 83254 1535
New Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 24, 2026
Details
84 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
177 N 4th St, Montpelier, ID, 83254 1535
Used Auto
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMar 24, 2026
Details
36 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
177 N 4th St, Montpelier, ID, 83254 1535
Used Auto (Over 7 Years Old)
6.49%
24 Months
▼
APR6.49%
Term24 Months
Last UpdatedMar 24, 2026
Details
24 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
177 N 4th St, Montpelier, ID, 83254 1535
New Auto
7.09%
96 Months
▼
APR7.09%
Term96 Months
Last UpdatedMar 24, 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
Auto Loan
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedMar 21, 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
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedMar 21, 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
Auto Loan
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% 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
▼
APR4.19%
Term36 Months
Last UpdatedMar 21, 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
▼
APR4.24%
TermUp to 36
Last UpdatedMar 21, 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
Vehicle Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 21, 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
▼
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
Auto Loan
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedMar 21, 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
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedMar 21, 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
▼
APR4.44%
Term37 - 48
Last UpdatedMar 21, 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
Vehicle Loan
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedMar 21, 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
Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% 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
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 21, 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
▼
APR4.49%
Term36 Month
Last UpdatedMar 21, 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
▼
APR4.50%
Term36 Months
Last UpdatedMar 24, 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
Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMar 21, 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
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMar 21, 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
▼
APR4.74%
Term36 Month
Last UpdatedMar 21, 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
▼
APR4.74%
Term60 Months
Last UpdatedMar 21, 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
▼
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
▼
APR4.75%
Term36 to 72
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
▼
APR4.75%
Term60 Months
Last UpdatedMar 24, 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
▼
APR4.75%
Term36 Months
Last UpdatedMar 24, 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
Auto Loan
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% 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
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMar 21, 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
▼
APR4.89%
Term72 Months
Last UpdatedMar 21, 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
▼
APR4.99%
Term36 Months
Last UpdatedMar 20, 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
▼
APR4.99%
Term72 Month
Last UpdatedMar 21, 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
▼
APR4.99%
Term60 Month
Last UpdatedMar 21, 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
▼
APR4.99%
Term60 Months
Last UpdatedMar 24, 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
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 25, 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
▼
APR4.99%
Term60 Months
Last UpdatedMar 25, 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)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMar 21, 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
▼
APR5.00%
Term24 Months
Last UpdatedMar 21, 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
Auto Loan
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedMar 21, 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
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedMar 21, 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
Auto Loan
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; 100% 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
▼
APR5.19%
Term84 Months
Last UpdatedMar 21, 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
▼
APR5.24%
Term60 Months
Last UpdatedMar 20, 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
▼
APR5.24%
Term72 Month
Last UpdatedMar 21, 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
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMar 25, 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
▼
APR5.24%
Term5 Years
Last UpdatedMar 25, 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
▼
APR5.24%
Term72 Months
Last UpdatedMar 25, 2026
Details
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
▼
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)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 21, 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
▼
APR5.25%
Term60 Months
Last UpdatedMar 21, 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
▼
APR5.25%
Term72 Months
Last UpdatedMar 24, 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)
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMar 21, 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
▼
APR5.35%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID, 83202
Auto Loan
5.44%
48 Months
▼
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.
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
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 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
▼
APR5.49%
Term84 Month
Last UpdatedMar 21, 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
▼
APR5.49%
Term84 Months
Last UpdatedMar 25, 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
▼
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
▼
APR5.64%
Term49 - 60
Last UpdatedMar 21, 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
Vehicle Loan
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID, 83202
Auto Loan
5.69%
60 Months
▼
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.
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
▼
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
▼
APR5.74%
Term84 Month
Last UpdatedMar 21, 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
▼
APR5.75%
Term36 to 72
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
New Car (80%-125% MSRP Financing)
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 21, 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
▼
APR5.75%
Term84 Months
Last UpdatedMar 24, 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
▼
APR5.75%
Term72 Months
Last UpdatedMar 24, 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
▼
APR5.84%
Term61 - 72
Last UpdatedMar 21, 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
Vehicle Loan
5.84%
72 Months
▼
APR5.84%
Term72 Months
Last UpdatedMar 21, 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
▼
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
▼
APR5.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID, 83202
Auto Loan
5.99%
72 Months
▼
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.
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
▼
APR5.99%
Term96 Month
Last UpdatedMar 21, 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
▼
APR5.99%
Term60 Months
Last UpdatedMar 24, 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
▼
APR5.99%
Term7 Years
Last UpdatedMar 25, 2026
Details
As Low As; Fixed
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
▼
APR6.04%
Term73 - 84
Last UpdatedMar 21, 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
Vehicle Loan
6.04%
84 Months
▼
APR6.04%
Term84 Months
Last UpdatedMar 21, 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
▼
APR6.24%
Term84 Months
Last UpdatedMar 20, 2026
Details
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
▼
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
▼
APR6.75%
Term72 Months
Last UpdatedMar 24, 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
▼
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
▼
APR7.74%
Term8 Years
Last UpdatedMar 25, 2026
Details
$30,000; As Low As; Fixed
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
177 N 4th St, Montpelier, ID, 83254 1535
New Auto (7 Years Old or Newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 24, 2026
Details
Up to 60 Months (700+ Credit Score)
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
177 N 4th St, Montpelier, ID, 83254 1535
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 24, 2026
Details
72 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
177 N 4th St, Montpelier, ID, 83254 1535
New Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 24, 2026
Details
84 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
177 N 4th St, Montpelier, ID, 83254 1535
New Auto
7.09%
96 Months
▼
APR7.09%
Term96 Months
Last UpdatedMar 24, 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
▼
APR4.09%
Term36 Months
Last UpdatedMar 21, 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
▼
APR4.19%
Term36 Months
Last UpdatedMar 21, 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
▼
APR4.24%
TermUp to 36
Last UpdatedMar 21, 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
▼
APR4.39%
Term48 Months
Last UpdatedMar 21, 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
▼
APR4.44%
Term37 - 48
Last UpdatedMar 21, 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
▼
APR4.49%
Term48 Months
Last UpdatedMar 21, 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
▼
APR4.49%
Term36 Month
Last UpdatedMar 21, 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
▼
APR4.50%
Term36 Months
Last UpdatedMar 24, 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
▼
APR4.69%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As; up to 90% financing
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
▼
APR4.75%
Term36 to 84
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
▼
APR4.75%
Term60 Months
Last UpdatedMar 24, 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
▼
APR4.79%
Term60 Months
Last UpdatedMar 21, 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
4.99%
72 Month
▼
APR4.99%
Term72 Month
Last UpdatedMar 21, 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
▼
APR4.99%
Term60 Months
Last UpdatedMar 25, 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)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMar 21, 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
▼
APR5.09%
Term84 Months
Last UpdatedMar 21, 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
▼
APR5.19%
Term84 Months
Last UpdatedMar 21, 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
▼
APR5.24%
Term72 Months
Last UpdatedMar 25, 2026
Details
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
▼
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)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 21, 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
▼
APR5.25%
Term72 Months
Last UpdatedMar 24, 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)
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMar 21, 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
Newer (2023 and Newer) Auto Loans
5.49%
84 Month
▼
APR5.49%
Term84 Month
Last UpdatedMar 21, 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
▼
APR5.49%
Term84 Months
Last UpdatedMar 25, 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
▼
APR5.64%
Term49 - 60
Last UpdatedMar 21, 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
▼
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
▼
APR5.75%
Term84 Months
Last UpdatedMar 21, 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
▼
APR5.75%
Term84 Months
Last UpdatedMar 24, 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
▼
APR5.84%
Term61 - 72
Last UpdatedMar 21, 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
▼
APR5.99%
Term84 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
Newer (2023 and Newer) Auto Loans
5.99%
96 Month
▼
APR5.99%
Term96 Month
Last UpdatedMar 21, 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
▼
APR6.04%
Term73 - 84
Last UpdatedMar 21, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
177 N 4th St, Montpelier, ID, 83254 1535
Used Auto
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMar 24, 2026
Details
36 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
177 N 4th St, Montpelier, ID, 83254 1535
Used Auto (Over 7 Years Old)
6.49%
24 Months
▼
APR6.49%
Term24 Months
Last UpdatedMar 24, 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
▼
APR4.24%
TermUp to 36
Last UpdatedMar 21, 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
▼
APR4.44%
Term37 - 48
Last UpdatedMar 21, 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
▼
APR4.75%
Term36 to 72
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
▼
APR4.75%
Term36 Months
Last UpdatedMar 24, 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
▼
APR4.99%
Term60 Months
Last UpdatedMar 24, 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
▼
APR4.99%
Term60 Months
Last UpdatedMar 25, 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)
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedMar 21, 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
▼
APR5.24%
Term72 Months
Last UpdatedMar 25, 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
▼
APR5.25%
Term60 Months
Last UpdatedMar 21, 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
▼
APR5.35%
Term72 Months
Last UpdatedMar 21, 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
▼
APR5.49%
Term84 Months
Last UpdatedMar 25, 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
▼
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
▼
APR5.64%
Term49 - 60
Last UpdatedMar 21, 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
▼
APR5.75%
Term36 to 72
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
▼
APR5.75%
Term72 Months
Last UpdatedMar 24, 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
▼
APR5.84%
Term61 - 72
Last UpdatedMar 21, 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
▼
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
▼
APR5.99%
Term60 Months
Last UpdatedMar 24, 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
▼
APR6.04%
Term73 - 84
Last UpdatedMar 21, 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
▼
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
▼
APR6.75%
Term72 Months
Last UpdatedMar 24, 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
▼
APR7.24%
Term60 Months
Last UpdatedMar 20, 2026
Details
Powered by
MonitorBankRates
National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New Auto Loan — National Avg APR
6.039%
▲ 0.196 from last week
New auto loan rates rose 0.196 points this week to 6.039% APR, up from 5.843% last week.
Used Auto Loan — National Avg APR
6.644%
▲ 0.012 from last week
Used auto loan rates rose 0.012 points this week to 6.644% APR, up from 6.633% last week.
National averages as of Mar 26, 2026 • Weekly data from 8,500+ U.S. banks & credit unions
Powered byMonitorBankRates
Frequently Asked Questions about Auto Loans in Montpelier, 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 Montpelier, 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 Montpelier, 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 Montpelier, Idaho?
Based on our current data, some of the lowest auto loan rates available in Montpelier, Idaho include:
- Advantage Plus Federal Credit Union: 4.99% (New Auto (7 Years Old or Newer))
- Rails West Federal Credit Union: 4.09% (Auto Loan)
- Pioneer Federal Credit Union: 4.24% (New and Used Vehicles)
- Lewis Clark Credit Union: 4.25% (Autos)
- Rogue Credit Union: 4.49% (Newer (2023 and Newer) Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Montpelier, Idaho. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 25, 2026
