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.

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.

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.

Auto

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term48 Interest Rate7.490%
Age of Vehicle2021 or newer Loan Term60 Interest Rate7.540%
Age of Vehicle2021 or newer Loan Term72 Interest Rate7.840%
Age of Vehicle2018-2020 Loan Term48 Interest Rate7.690%
Age of Vehicle2018-2020 Loan Term60 Interest Rate7.740%
Age of Vehicle2018-2020 Loan Term72 Interest Rate8.040%
Age of Vehicle2015-2017 Loan Term48 Interest Rate8.140%
Age of Vehicle2012-2014 Loan Term48 Interest Rate9.440%
See all

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

Rates valid for Saturday, March 2 2024

Recreational Vehicles

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term120 Interest Rate9.840%
Age of Vehicle2021 or newer Loan Term144 Interest Rate10.290%

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

Rates valid for Saturday, March 2 2024

Watercraft

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term120 Interest Rate9.840%
Age of Vehicle2021 or newer Loan Term144 Interest Rate10.290%

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

Rates valid for Saturday, March 2 2024

Off-Road

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term48 Interest Rate9.540%
Age of Vehicle2021 or newer Loan Term60 Interest Rate10.540%
Age of Vehicle2018-2020 Loan Term36 Interest Rate10.590%
Age of Vehicle2018-2020 Loan Term48 Interest Rate11.090%
Age of Vehicle2014-2017 Loan Term60 Interest Rate11.740%

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

Rates valid for Saturday, March 2 2024

Street Motorcycle

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term60 Interest Rate9.290%
Age of Vehicle2018-2020 Loan Term60 Interest Rate11.590%
Age of Vehicle2014-2017 Loan Term60 Interest Rate11.740%

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

Rates valid for Saturday, March 2 2024

Trailer Rates

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term120 Interest Rate9.840%
Age of Vehicle2021 or newer Loan Term144 Interest Rate10.290%

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

Rates valid for Saturday, March 2 2024

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