Vehicle Loans

Idaho Central has the Credit Union advantage which allows us to offer lower interest rates to members. If you are looking to purchase or refinance, we can help you find the right loan to fit your needs.

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Benefits With Every Vehicle

No Loan Application Fees

Let’s save you money!
Low, Affordable Interest Rates

We have the Credit Union Advantage.
Quick Loan Decisions

Your time is precious.

Start Your Engines

Get ahead with the right vehicle.

Amortizing Loan Calculator

Enter your desired payment – and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment. You can then examine your principal balances by payment, total of all payments made, and total interest paid. Press the report button to see a monthly payment schedule.

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For more information about these financial calculators please visit: Dinkytown.net Financial Calculators from KJE Computer Solutions, Inc.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Auto Rebate vs. Low Interest Financing Calculator

Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate. A rebate will reduce your auto loan balance, while low interest financing lowers your monthly payment. The best option depends on the price of the vehicle, the size of the rebate and the interest rates available for financing.

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Auto

Age of Vehicle	Loan Term	Interest Rate
2021 or newer	48	7.740%
2021 or newer	60	7.790%
2021 or newer	72	8.090%
2018-2020	48	7.940%
2018-2020	60	7.990%
2018-2020	72	8.290%
2015-2017	48	8.390%
2012-2014	48	9.690%

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*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria.