Auto Loans

Fasten your seat belt! With an Idaho Central Auto Loan, you’ll be on the road in no time as we serve you from start to finish with a quick local decision and low, affordable rates to save you money. Let’s get started!

Couple buckling up


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

Simple to Finance & Amazing Rates

At Idaho Central, we believe in making our financing options simple and easy. That’s why when you have an Idaho Central Auto Loan, you’ll receive the service you deserve so you can hit the road with confidence.

  • Low, affordable interest rates
  • Quick loan decisions
  • Local, friendly service

Term Options

Up to 84 months


No loan application fees

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.

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
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

Know Your Car’s Value

Just as important as looking over the car is checking its market value. Do a little research and be sure you are paying a fair price for your new vehicle. Plus, if you are buying a vehicle, chances are you’ll need to sell your old one. Check vehicle pricing and be prepared to buy or sell.

Need to update your vehicle insurance? Learn more!

Let’s Get Your Auto Vehicle Loan Application Started

Let us know how you are planning on purchasing or refinancing your auto vehicle, so we can fine-tune our loan options to fit your needs.

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