Buy Here Pay Here: Idaho (ID)

Buy Here Pay Here Car Lots in ID
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Idaho has an average fico score of 688, but 125,407 of Idaho’s residents have credit scores of 550 to 600.

Regular finance providers and banking institutions will not give automobile financing to people with bad credit scores.

You’re probably wondering how these types of dealerships are able to offer funding in situations where conventional loan providers can’t. You will find that the majority of dealerships in Idaho don’t do financing internally. Instead, they have 3rd-party loan creditors to process the financing part of the process. The loan originator establishes the credit and down payment standards. Because ID buy here pay here car dealerships grant car loans without resorting to off-site lenders, they’re able to dodge the strict credit requirements imposed by conventional loan providers. This makes it more convenient for you to get a car when you have a low credit score, while making it simpler for them to offer cars to the 313,516 folks in Idaho with bad credit.

Alternatives to Buy Here Pay Here Financing

Buy Here Pay Here Car Dealers in Idaho
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Does buy here pay here financing seem to be the only choice? That might not be the case. After all, buy here pay here auto lots have got their disadvantages:

  • Elevated APRs
  • Large Deposit
  • No Ability to Improve Your Credit

Why don’t you allow us to figure out which of the car finance companies is right for you?

Here is what you want to do to get started:

  1. Complete Our Simple Web Form.
  2. Check ID Car Prices While You’re Matched to the Perfect Dealer or Loan Service.
  3. Purchase Your Car or Truck!

Monthly Income and Payments

Here’s a simple and easy breakdown of how much a typical Idaho driver should devote to a pre-owned car.

Idaho Averages…


  • Income

  • Auto Budget (Per Year)

  • Insurance Cost (Annual)

  • Insurance Cost (Each Month)

  • Leftover Budget (Monthly)

  • $39,746

  • $3,354

  • $837

  • $70

  • $209.75

Pre-Owned Vehicles You Might Not Want to Buy

If buying a pre-owned car, you might want to avoid a few cars. Listed below are the cars and trucks stolen most regularly in Idaho.

  • 1999 Dodge Ram Pickup
  • 1994 Chevrolet Extended Cab 4×4 Pickup
  • 1994 Honda Civic
  • 2007 Ford F150 Pickup
  • 1991 Honda Accord
  • 1996 Ford Explorer
  • 1993 Pontiac Grand Am
  • 1991 Chevrolet Conventional Cab 4×4 Pickup
  • 1988 Ford Ranger
  • 1995 Ford Mustang

Idaho Buy Here Pay Here Auto Loans