Best Auto Loans in Idaho

New and used auto purchase loans plus auto refinancing options from national and regional lenders. In Idaho, personal loans are not subject to a state APR cap for licensed consumer lenders, overseen by the Idaho Department of Finance.

Idaho Lending Overview

Personal Loan APR cap

No cap

Median Home Price

$425,000

Median Household Income

$65,000

Avg Student Debt

$33,621

State Regulator

Idaho Department of Finance

Notable law: Idaho imposes no usury ceiling on consumer loans from licensed lenders, relying instead on market competition and federal TILA disclosure requirements to protect borrowers.

8 Auto Loans Lenders serving Idaho

Best Egg

Auto Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Idaho

Apply at Best Egg

Better Mortgage

Auto Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Idaho

Apply at Better Mortgage

Bluevine

Auto Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Idaho

Apply at Bluevine

Capital One Auto

Auto Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Idaho

Apply at Capital One Auto

Earnest

Auto Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Idaho

Apply at Earnest

LightStream

Auto Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Idaho

Apply at LightStream

LightStream Auto

Auto Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Idaho

Apply at LightStream Auto

OnDeck

Auto Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Idaho

Apply at OnDeck

Idaho Lending Laws

Idaho imposes no usury ceiling on consumer loans from licensed lenders, relying instead on market competition and federal TILA disclosure requirements to protect borrowers.

The primary regulator for consumer lending in Idaho is the Idaho Department of Finance. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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