Auto Loan with 700 Credit Score in Idaho (2026)
Quick Answer
With a 700 credit score (660-719) in Idaho, expect an auto loan APR of approximately 5.8%. On a $30,000 loan for 60 months, that's $577/month.
✓ Updated March 2026✓ Based on state insurance filings
Monthly Payment Calculator
| Loan Amount | 48 Months | 60 Months | 72 Months |
|---|---|---|---|
| $15,000 | $351/mo | $289/mo | $247/mo |
| $20,000 | $468/mo | $385/mo | $330/mo |
| $25,000 | $585/mo | $481/mo | $412/mo |
| $30,000 | $702/mo | $577/mo | $494/mo |
| $35,000 | $819/mo | $673/mo | $577/mo |
| $40,000 | $936/mo | $770/mo | $659/mo |
Rates are estimates based on a 700 credit score. Actual rates vary by lender.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How Credit Score Affects Your Rate
| Credit Score | Expected APR | Monthly ($30K/60mo) | Total Interest |
|---|---|---|---|
| 500 (300-579) | 15.5% | $722/mo | $13,320 |
| 600 (580-619) | 11.2% | $655/mo | $9,300 |
| 650 (620-659) | 8.5% | $615/mo | $6,900 |
| 700 (660-719) | 5.8% | $577/mo | $4,620 |
| 750 (720-779) | 4.2% | $555/mo | $3,300 |
| 800 (780+) | 3.1% | $540/mo | $2,400 |