Auto Loans - Tech CU

Vehicle Loans in Idaho

In addition to great rates for our members on new and used autos and new motorcycles (see below), Tech CU offers several services to help with the buying process.

You can find research tools and information on how to get pre-approved by visiting our Vehicle Resources Page.
To apply for a loan or to discuss options:

Apply

Apply for a vehicle loan today.*

(877) 988-0471

Call our Lending Center.

Speak to a banker in Tech CU's Virtual Branch.

Visit one of our physical branches.
New Auto Loan Rates in Idaho

Borrow up to 125% of MSRP (including tax, license, document fees, and extended warranty), plus GAP on approved credit.


Term¹	Minimum Loan Amount²	Annual Percentage Rate³	Example: Payment per $1,000⁴	Effective Date
12 - 36 months	$5,000	5.74% - 14.74%	$34.54	12/05/2024
37 - 48 months	$5,000	5.99% - 14.99%	$27.83	12/05/2024
49 - 66 months	$5,000	5.99% - 14.99%	$22.34	12/05/2024
67 - 72 months	$15,000	6.49% - 15.49%	$21.41	12/05/2024
73 - 84 months	$25,000	7.09% - 8.59%	$15.88	12/05/2024
Vehicle Loan Terms: ¹Term subject to credit approval. ²Maximum loan amount based on approved credit. New (current model year) vehicles: Up to 125% of MSRP (including tax, license, and document fees), plus GAP on approved credit. ³Interest Rate will vary based on approved credit. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work. ⁴Payment per $1,000 is based on the highest interest rate with the maximum term. Financing available on purchases of new vehicles up to one model year old and less than 10,000 miles. All loans require Tech CU membership, credit approval, and you must meet security requirements. Other terms and conditions may apply.

Used Auto Loan Rates in Idaho

Borrow up to 125% of Kelley Blue Book Retail Value on cars 7 years old or less and 100,000 miles or less (including tax, license, document fees, and extended warranty), plus GAP on approved credit.

Borrow up to 90% of Kelley Blue Book Retail Value on cars over 7 model years old or over 100,000 miles (including tax, license, document fees, and extended warranty), plus GAP on approved credit.


Term¹	Minimum Loan Amount²	Annual Percentage Rate³	Example: Payment per $1,000⁴	Effective Date
12 - 36 months	$5,000	5.99% - 15.24%	$34.78	12/05/2024
37 - 48 months	$5,000	6.24% - 15.49%	$28.08	12/05/2024
49 - 66 months	$5,000	6.24% - 15.49%	$22.60	12/05/2024
67 - 72 months	$15,000	6.74% - 15.99%	$21.69	12/05/2024
73 - 84 months	$25,000	7.34% - 8.84%	$16.01	12/05/2024
Vehicle Loan Terms: ¹Term subject to credit approval. ²Maximum loan amount based on approved credit. Financing available on used vehicles (including fleet returned vehicles), excluding salvaged vehicles. Used Vehicles 7 years old or less and 100,000 miles or less: Up to 125% of Kelley Blue Book Retail Value (including tax, license, and document fees), plus GAP on approved credit. Used Vehicles over 7 years old or more than 100,000 miles: Up to 90% of Kelley Blue Book Retail Value (including tax, license, and document fees), plus GAP on approved credit. ³Interest Rate will vary based on approved credit and term. Slightly higher APRs apply to refinances of existing Tech CU loans, private party sales and other loans where Tech CU handles vehicle title work. ⁴Payment per $1,000 is based on the highest interest rate with the maximum term. All loans require Tech CU membership, credit approval, and you must meet security requirements. Tech CU will finance private party purchases for used vehicles registered in the state of California. Other terms and conditions may apply.

New Motorcycle Loan Rates in Idaho

Up to 100% of manufacturer suggested retail price — plus tax, license, dealer preparation and document fees.

Terms of up to 5 years (60 months).


Term¹	Minimum Finance Amount²	Annual Percentage Rate³	Example Payment per $1,000⁴	Effective Date
24 - 60 months	$10,000	9.24% - 17.99%	$25.39	12/05/2024
Motorcycle Loan Terms: ¹Term subject to credit approval. ²Maximum loan amount based on approved credit. Loans on new (current model year) motorcycles can include up to 100% of purchase price plus sales tax, license, dealer prep, GAP, and extended warranty. ³Interest Rate will vary based on approved credit. ⁴Payment per $1,000 is based on the highest interest rate with the maximum term. All loans require Tech CU membership, credit approval, and you must meet security requirements. Other terms and conditions may apply.

*Not yet a member? Become a member now and enjoy great rates and other benefits of membership! Please note: Membership is not required to apply for a loan, but it will be required to complete your application upon approval.
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Vehicle Loans in Idaho