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
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%
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 Sunday, December 3 2023

Recreational Vehicles

Age of Vehicle Loan Term Interest Rate
2021 or newer 120 10.090%
2021 or newer 144 10.540%

*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 Sunday, December 3 2023

Watercraft

Age of Vehicle Loan Term Interest Rate
2021 or newer 120 10.090%
2021 or newer 144 10.540%

*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 Sunday, December 3 2023

Off-Road

Age of Vehicle Loan Term Interest Rate
2021 or newer 48 9.790%
2021 or newer 60 10.790%
2018-2020 36 10.840%
2018-2020 48 11.340%
2014-2017 60 11.990%

*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 Sunday, December 3 2023

Street Motorcycle

Age of Vehicle Loan Term Interest Rate
2021 or newer 60 9.540%
2018-2020 60 11.840%
2014-2017 60 11.990%

*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 Sunday, December 3 2023

Trailer Rates

Age of Vehicle Loan Term Interest Rate
2021 or newer 120 10.090%
2021 or newer 144 10.540%

*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 Sunday, December 3 2023

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