Vehicle Loans

Off-Road Vehicle Loans

We’ll keep you on the financial road to success so you can go off-road! With an Idaho Central Off-Road Vehicle Loan, you’ll receive the right loan option that matches your recreational fun, plus great rates.

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People driving an UTV

AN OFF-ROAD VEHICLE LOAN IS BEST IF:

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

Simple to Finance & Amazing Rates

At Idaho Central, we believe in making our financing options simple and easy. That’s why when you have Idaho Central Off-Road Vehicle Loan, you’ll receive the service you deserve so you can go enjoy outdoor fun!

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

Up to 84 months

Fees

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.

Off-Road Rates

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 Thursday, November 30 2023

Know Your Off-Road Vehicle’s Value

It’s important to know your off-road vehicle’s market value. Do a little research and be sure you are paying a fair price. Or, if you need to sell your old off-road vehicle, make sure you aren’t missing out on money in your pocket. Either way, knowing your vehicle’s value will make you prepared to buy or sell.

Check Vehicle Pricing

Need to update your vehicle insurance? Learn more!

Let’s Get Your Off-Road Vehicle Loan Application Started

Let us know how you are planning on purchasing or refinancing your off-road 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