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Most new cars and trucks are purchased with loans, and the others are generally leased. If you’ve got good credit, this is a pretty painless process. If you have below-average credit, however, it can be challenging. Why would you wait to apply at the lender or car dealership when you can get approved right now on the web? Lenders and dealerships will fight to fund your loan, putting you in the driver’s seat of the finance process.

Auto Loan Rates in Boise

These rates aren’t ads, but estimates to give you an understanding of what rate of interest can be expected given where you are and your credit score. Factors that impact your exact annual percentage rate include your credit score, where you live, your occupational history, the type of vehicle (new or used), and the duration of your loan.

FICO Rating New Car Used Car
Excellent 3.2% 3.9%
Good 4.6% 5.9%
Average 6.9% 7.9%
Subprime 9.6% 10.2%
Bad 14.1% 15.3%
Very Bad 16.5% 18.0%

Used Auto Loans in Boise

You will find that loan companies charge slightly higher rates for used vehicles. However, used cars and trucks are more economical over the long haul, and they require cheaper down payments. The figures speak on their own.

Age Price APR Months Payment Interest Total Cost
New $19,750 6.00% 60 $381.82 $3,159 $22,909
1 Year $15,800 7.50% 60 $316.60 $3,196 $18,996
2 Years $13,430 7.50% 60 $269.11 $2,717 $16,147
3 Years $11,416 7.50% 60 $228.74 $2,309 $13,725

Interested in a pre-owned car or truck? Typically, you can finance a car that’s up to a decade old. Mileage constraints often apply.

Bad Credit Auto Loans in Boise

Ordinarily, promotions such as zero down are inconceivable if you have credit problems. The better your credit, the lower your annual percentage rate is going to be. In decades past, you might be turned away at a number of banks or dealerships before you secured financing.

Buy here pay here financing is a second option. The downsides are noteworthy: ridiculous annual percentage rates and lots of conditions. You will be better off with a car loan from a bank or credit union. A regular loan provider will report your progress to the credit reporting agencies, so your credit score will increase if you make your payments as agreed.

Contact an auto finance professional in your area today.

No Money Down Cars in Boise

Really need to get a car financed, but you have no cash to put down? When you’ve got superior credit, most loan providers will not demand a down payment. If your credit isn’t but average, however, a down payment of 10-20% is usually necessary. By applying online, you may boost your odds of obtaining such an offer. Banks and car dealers are able to view your preferred down payment ahead of time. If you leave the down payment field blank, the lending expert will know you want to finance a car with no money down.

Boise Resources

Credit Unions

Credit UnionStreet addressZipTelephone
Boise Fire DepartmentPO Box 19099083719(208) 362-1128
Boise Fire Department8120 Gantz Ave83709(208) 362-1128
Boise Telco Federal Credit Union249 N 9th St83702(208) 327-3445
Boise U S Employees FCUP.O. Box 802683707(208) 344-4393
Boise U S Employees FCU550 W Fort St #39383724(208) 342-0981
Boise U S Employees FCU2201 S Cole Rd83709(208) 321-9900
Boise U S Employees FCU550 W Fort St83724(208) 342-0981
Boise U S Employees FCU910 N Orchard St83706(208) 344-4393
Boise ValleyPO Box 289383701(208) 344-8498
Boise Valley20 N Latah St83705(208) 344-8498
Capital Educators7450 Thunderbolt Dr83709(208) 884-0150
Capital Educators500 E Highland St83706(208) 884-0150
Capital Educators12195 W McMillan Rd83713(208) 884-0150
Capital Educators FCU12195 McMillan Rd83713(208) 855-4727
E.S.A.355 S 3rd St83702(208) 342-0800
First Technology11311 Chinden Blvd. Bldg. 2L MS 26583714(208) 323-6524
Health Care Idaho105 W State St83702(208) 381-2099
Icon7615 W Riverside Dr83703(208) 344-7948
Icon1010 Rose St83703(208) 344-7948
Icon9769 W Emerald St83704(208) 947-0123
Icon1111 W Jefferson St83702(208) 384-7428
Idaho Advantage10536 W Emerald St83704(208) 327-3445
Idaho Advantage249 S 9th St83702(208) 327-3445
Idaho Central10990 W Fairview Ave83713(208) 846-7000
Idaho Central6328 W State St83703(208) 846-7000
Idaho Central200 N 4th St83702(208) 846-7000
Idaho Central650 W State St83702(208) 846-7000
Idaho Central6707 W Overland Rd83709(208) 846-7010
Idaho Central775 E Parkcenter Blvd83706(208) 846-7000
Idaho Credit Union League2770 S Vista Ave83705(208) 343-4841
Idaho National Guard FCUBoise Airport 3201 Airport Way83705(208) 343-3665
Idaho UnitedP.O. Box 226883701(208) 388-2138
Idaho United333 N 13th St83702(208) 388-2959
Idaho United Credit UnionPo Box 226883701(208) 388-2959
Idahy Federal Credit Union1010 N Rose St83703(208) 344-7948
Les Bois1200 N Curtis Rd83706(208) 377-6458
Les Bois393 S 3rd St83702(208) 338-1186
Les Bois4416 W Guard St83705(208) 343-3665
Les Bois Federal Credit Union8660 W Emerald St83704(208) 375-4939
Northwest Christian6115 W Overland Rd83709(208) 376-5525
St. Alphonsus Medical6130 W Emerald St83704(208) 367-2224
TrugrocerP. O. Box 814583707(208) 385-5200
Trugrocer501 E Highland St83706(208) 385-5200
Washington State Employees CU1220 Grand Ave83702(208) 332-5949
Wescorp12554 W Bridger St83713(208) 376-0228