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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:

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(877) 988-0471

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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 Mininum Loan Amount2 Annual Percentage Rate3 Example: Payment Per $10004 Effective Date
Term1
12 - 36 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.49% - 14.49%
Example: Payment Per $10004
$34.42
Effective Date
08/01/2025
Term1
37 - 48 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.49% - 14.49%
Example: Payment Per $10004
$27.57
Effective Date
08/01/2025
Term1
49 - 66 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.49% - 14.49%
Example: Payment Per $10004
$22.07
Effective Date
08/01/2025
Term1
67 - 72 months
Mininum Loan Amount2
15,000
Annual Percentage Rate3
5.74% - 14.74%
Example: Payment Per $10004
$21.00
Effective Date
08/01/2025
Term1
73 - 84 months
Mininum Loan Amount2
25,000
Annual Percentage Rate3
6.24% - 7.74%
Example: Payment Per $10004
$15.46
Effective Date
08/01/2025

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 Mininum Loan Amount2 Annual Percentage Rate3 Example: Payment Per $10004 Effective Date
Term1
12 - 36 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.74% - 14.99%
Example: Payment Per $10004
$34.66
Effective Date
08/01/2025
Term1
37 - 48 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.74% - 14.99%
Example: Payment Per $10004
$27.83
Effective Date
08/01/2025
Term1
49 - 66 months
Mininum Loan Amount2
5,000
Annual Percentage Rate3
5.74% - 14.99%
Example: Payment Per $10004
$22.34
Effective Date
08/01/2025
Term1
67 - 72 months
Mininum Loan Amount2
15,000
Annual Percentage Rate3
5.99% - 15.24%
Example: Payment Per $10004
$21.28
Effective Date
08/01/2025
Term1
73 - 84 months
Mininum Loan Amount2
25,000
Annual Percentage Rate3
6.49% - 7.99%
Example: Payment Per $10004
$15.58
Effective Date
08/01/2025

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 Mininum Loan Amount2 Annual Percentage Rate3 Example: Payment Per $10004 Effective Date
Term1
24 - 60 months
Mininum Loan Amount2
10,000
Annual Percentage Rate3
8.74% - 17.49%
Example: Payment Per $10004
$25.12
Effective Date
08/01/2025

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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