Idaho Car Loan FAQs

How much do Idaho Car Loan's services cost?

Nothing. Using the form on this site to receive a quote from our network of lenders is absolutely free of cost to you.

Can only Idaho citizens get a quote?

No. Though this site is tailored to offer quotes to the Idahoan who is looking to finance a new or used vehicle, anyone can use the form and receive quotes from our network of approved lenders.

What if I don't have a good credit score?

It probably won't stop you from being offered loans through our network. Our network of lenders is large and caters to a diverse clientele with both great credit scores and credit that also has seen its share of troubles. If you have less than perfect credit the loan offers you will receive will be adjusted, usually in higher interest rates, to reflect the greater risk of default that your credit represents to the lender. Accepting a loan, however, and treating it properly, paying it on time or better yet, ahead of schedule, will have the affect of significantly improving your credit score.

Do you offer car loans directly through this site?

No. Neither this site nor its operator offers car loans directly. Our agreement is with a network of national and local lenders to provide you with quotes for your car based on the preferences you choose when filling out our form.

What kind of vehicle can I get with an Idaho Car Loans loan?

You can get vehicle financing for any type of vehicle including motorcycles, SUVs, compacts, Trucks and even watercraft. Loans are available for both new and used vehicles, though the offers you get for new vehicles will tend to be more competitive in nature and offer the lowest rates.

Am I under any obligation to use one of the quotes once I have them?

No. You do not have to accept any of the offers that are presented to you through this site.

Do any of your lenders offer 0% financing?

Not likely. 0% financing is usually a trick used by auto dealerships in order to lure the unwary into their dealership in order to receive financing. The trick is that unless you listen very carefully or read the small print on the ad, you will miss that the 0% financing is available "On Approved Credit" (OAC). Fact of the matter is, very few people actually have the credit score high enough to get approval for the 0% financing that these dealerships offer. When you think about it, 0% financing is a lender essentially telling you that they'll give you $20,000, or whatever the price of your car is for many years and not make a single penny off of the transaction. You shouldn't expect to see this type of offer actually play out under any but the rarest of circumstances.

Can I use a loan offer that I get through Idaho Car Loans at any dealership?

Absolutely! Money is money, and the lenders in our network are banks just like the one down the street from your home. If you walk into a dealership with a certified check from a bank for the price of the car you are negotiating, there isn't a dealer out there who is likely to refuse you. Don't forget to negotiate though before just going with the sticker price.