Vehicle Loans

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.

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.

Auto Loans

Best if:

You want to drive away in your dream car, truck, van, or SUV.

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Recreational Vehicle Loans

Best if:

You want to create adventures with a motorhome, fifth wheel, or travel trailer.

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Boat & Watercraft Loans

Best if:

You want to make a splash and cool off with a boat or jet ski.

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Off-Road Vehicle Loans

Best if:

You want to enjoy the great outdoors with a dirt bike, ATV, snowmobile, side-by-side, utility trailer, or horse trailer.

Product Details
Motorcycle Loans

Best if:

You want to experience the freedom of the open road on a motorcycle.

Product Details
Trailer Loans

Best if:

You need to pull it, haul it, or tow it.

Product Details

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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.

Javascript is required for this calculator. If you are using Internet Explorer, you may need to select to ‘Allow Blocked Content’ to view this calculator.

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 Rates

Age of Vehicle	Loan Term	Interest Rate
2021 or newer	48	6.990%
2021 or newer	60	7.040%
2021 or newer	72	7.340%
2018-2020	48	7.190%
2018-2020	60	7.240%
2018-2020	72	7.540%
2015-2017	48	7.640%
2012-2014	48	8.940%

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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.