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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


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[tboot_table strip=”yes” border=”yes” hover=”yes” cols=”Credit Union,Street address,Zip,Telephone” data=”Boise Fire Department,PO Box 190990,83719,(208) 362-1128,Boise Fire Department,8120 Gantz Ave,83709,(208) 362-1128,Boise Telco Federal Credit Union,249 N 9th St,83702,(208) 327-3445,Boise U S Employees FCU,P.O. Box 8026,83707,(208) 344-4393,Boise U S Employees FCU,550 W Fort St #393,83724,(208) 342-0981,Boise U S Employees FCU,2201 S Cole Rd,83709,(208) 321-9900,Boise U S Employees FCU,550 W Fort St,83724,(208) 342-0981,Boise U S Employees FCU,910 N Orchard St,83706,(208) 344-4393,Boise Valley,PO Box 2893,83701,(208) 344-8498,Boise Valley,20 N Latah St,83705,(208) 344-8498,Capital Educators,7450 Thunderbolt Dr,83709,(208) 884-0150,Capital Educators,500 E Highland St,83706,(208) 884-0150,Capital Educators,12195 W McMillan Rd,83713,(208) 884-0150,Capital Educators FCU,12195 McMillan Rd,83713,(208) 855-4727,E.S.A.,355 S 3rd St,83702,(208) 342-0800,First Technology,11311 Chinden Blvd. Bldg. 2L MS 265,83714,(208) 323-6524,Health Care Idaho,105 W State St,83702,(208) 381-2099,Icon,7615 W Riverside Dr,83703,(208) 344-7948,Icon,1010 Rose St,83703,(208) 344-7948,Icon,9769 W Emerald St,83704,(208) 947-0123,Icon,1111 W Jefferson St,83702,(208) 384-7428,Idaho Advantage,10536 W Emerald St,83704,(208) 327-3445,Idaho Advantage,249 S 9th St,83702,(208) 327-3445,Idaho Central,10990 W Fairview Ave,83713,(208) 846-7000,Idaho Central,6328 W State St,83703,(208) 846-7000,Idaho Central,200 N 4th St,83702,(208) 846-7000,Idaho Central,650 W State St,83702,(208) 846-7000,Idaho Central,6707 W Overland Rd,83709,(208) 846-7010,Idaho Central,775 E Parkcenter Blvd,83706,(208) 846-7000,Idaho Credit Union League,2770 S Vista Ave,83705,(208) 343-4841,Idaho National Guard FCU,Boise Airport 3201 Airport Way,83705,(208) 343-3665,Idaho United,P.O. Box 2268,83701,(208) 388-2138,Idaho United,333 N 13th St,83702,(208) 388-2959,Idaho United Credit Union,Po Box 2268,83701,(208) 388-2959,Idahy Federal Credit Union,1010 N Rose St,83703,(208) 344-7948,Les Bois,1200 N Curtis Rd,83706,(208) 377-6458,Les Bois,393 S 3rd St,83702,(208) 338-1186,Les Bois,4416 W Guard St,83705,(208) 343-3665,Les Bois Federal Credit Union,8660 W Emerald St,83704,(208) 375-4939,Northwest Christian,6115 W Overland Rd,83709,(208) 376-5525,St. Alphonsus Medical,6130 W Emerald St,83704,(208) 367-2224,Trugrocer,P. O. Box 8145,83707,(208) 385-5200,Trugrocer,501 E Highland St,83706,(208) 385-5200,Washington State Employees CU,1220 Grand Ave,83702,(208) 332-5949,Wescorp,12554 W Bridger St,83713,(208) 376-0228″][/tboot_table]