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.

Need to update your vehicle insurance? Learn more!

Car driving

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.

How much will your monthly auto loan payment be? Use this calculator to determine how much your monthly auto loan payment will be, based on vehicle price and loan information.

Auto Refinance Calculator

Determine out how much you could reduce your monthly and total loan payments if you refinance your car loan.

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Age of Vehicle Loan Term Interest Rate
Age of Vehicle2022 or newer Loan Term48 months Interest Rate7.240% Terms
Age of Vehicle2022 or newer Loan Term60 months Interest Rate7.290% Terms
Age of Vehicle2022 or newer Loan Term72 months Interest Rate7.590% Terms
Age of Vehicle2019-2021 Loan Term48 months Interest Rate7.440% Terms
Age of Vehicle2019-2021 Loan Term60 months Interest Rate7.490% Terms
Age of Vehicle2019-2021 Loan Term72 months Interest Rate7.790% Terms
Age of Vehicle2016-2018 Loan Term48 months Interest Rate7.890% Terms
Age of Vehicle2013-2015 Loan Term48 months Interest Rate9.190% Terms
See all

Recreational Vehicles

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2022 or newer Loan Term120 months Interest Rate9.590% Terms
Age of Vehicle2022 or newer Loan Term144 months Interest Rate10.040% Terms

Watercraft

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2022 or newer Loan Term120 months Interest Rate9.590% Terms
Age of Vehicle2022 or newer Loan Term144 months Interest Rate10.040% Terms

Off-Road

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2022 or newer Loan Term48 months Interest Rate9.290% Terms
Age of Vehicle2022 or newer Loan Term60 months Interest Rate10.290% Terms
Age of Vehicle2019-2021 Loan Term36 months Interest Rate10.340% Terms
Age of Vehicle2019-2021 Loan Term48 months Interest Rate10.840% Terms
Age of Vehicle2015-2018 Loan Term60 months Interest Rate11.490% Terms

Street Motorcycle

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2022 or newer Loan Term60 months Interest Rate9.040% Terms
Age of Vehicle2019-2021 Loan Term60 months Interest Rate11.340% Terms
Age of Vehicle2015-2018 Loan Term60 months Interest Rate11.490% Terms

Trailer Rates

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2022 or newer Loan Term120 months Interest Rate9.590% Terms
Age of Vehicle2022 or newer Loan Term144 months Interest Rate10.040% Terms

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How