Getting the best deal on a car loan can be tricky — especially in Idaho. That’s why you need a partner who knows how to get you approved for the vehicle that you want with no hassle. AllCreditCarLoans network of finance partners can provide quick auto finance decisions even if your credit is less than stellar.
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Idaho (/ˈaɪdəhoʊ/ (listen)) is a state in the northwestern region of the United States. It borders the state of Montana to the east and northeast, Wyoming to the east, Nevada and Utah to the south, and Washington and Oregon to the west. To the north, it shares a small portion of the Canadian border with the province of British Columbia. With a population of approximately 1.7 million and an area of 83,569 square miles (216,440 km), Idaho is the 14th largest, the 12th least populous and the 7th least densely populated of the 50 U.S. states. The state’s capital and largest city is Boise.
Idaho borders six U.S. states and one Canadian province. The states of Washington and Oregon are to the west, Nevada and Utah are to the south, and Montana and Wyoming are to the east. Idaho also shares a short border with the Canadian province of British Columbia to the north.
The landscape is rugged with some of the largest unspoiled natural areas in the United States. For example, at 2.3 million acres (930,000 ha), the Frank Church-River of No Return Wilderness Area is the largest contiguous area of protected wilderness in the continental United States. Idaho is a Rocky Mountain state with abundant natural resources and scenic areas. The state has snow-capped mountain ranges, rapids, vast lakes and steep canyons. The waters of the Snake River rush through Hells Canyon, the deepest gorge in the United States. Shoshone Falls plunges down rugged cliffs from a height greater than Niagara Falls.
The major rivers in Idaho are the Snake River, the Clark Fork/Pend Oreille River, the Clearwater River, and the Salmon River. Other significant rivers include the Coeur d’Alene River, the Spokane River, the Boise River, and the Payette River. The Salmon River empties into the Snake in Hells Canyon and forms the southern boundary of Nez Perce County on its north shore, of which Lewiston is the county seat. The Port of Lewiston, at the confluence of the Clearwater and the Snake Rivers is the farthest inland seaport on the West Coast at 465 river miles from the Pacific at Astoria, Oregon.
Idaho’s highest point is Borah Peak, 12,662 ft (3,859 m), in the Lost River Range north of Mackay. Idaho’s lowest point, 710 ft (216 m), is in Lewiston, where the Clearwater River joins the Snake River and continues into Washington. The Sawtooth Range is often considered Idaho’s most famous mountain range. Other mountain ranges in Idaho include the Bitterroot Range, the White Cloud Mountains, the Lost River Range, the Clearwater Mountains, and the Salmon River Mountains.
Idaho has two time zones, with the dividing line approximately midway between Canada and Nevada. Southern Idaho, including the Boise metropolitan area, Idaho Falls, Pocatello, and Twin Falls, are in the Mountain Time Zone. A legislative error (15 U.S.C. ch. 6 §264) theoretically placed this region in the Central Time Zone, but this was corrected with a 2007 amendment. Areas north of the Salmon River, including Coeur d’Alene, Moscow, Lewiston, and Sandpoint, are in the Pacific Time Zone, which contains less than a quarter of the state’s population and land area.
The United States Census Bureau estimates Idaho’s population was 1,654,930 on July 1, 2015, a 5.57% increase since 2010.
Idaho had an estimated population of 1,654,930 in 2015, which was an increase of 20,466, from the prior year and an increase of 87,348, or 5.57%, since 2010. This includes a natural increase since the last census of 58,884 people (that is, 111,131 births minus 52,247 deaths) and an increase due to net migration of 75,795 people into the state. There are large numbers of Americans of English and German ancestry in Idaho. Immigration from outside the United States resulted in a net increase of 14,522 people, and migration within the country produced a net increase of 61,273 people.
This made Idaho the sixth fastest-growing state after Arizona, Nevada, Florida, Georgia, and Utah. From 2004 to 2005, Idaho grew the third-fastest, surpassed only by Nevada and Arizona.
Nampa, about 20 miles (30 km) west of downtown Boise, became the state’s second largest city in the late 1990s, passing Pocatello and Idaho Falls. Nampa’s population was under 29,000 in 1990 and grew to over 81,000 by 2010. Located between Nampa and Boise, Meridian also experienced high growth, from under 10,000 residents in 1990 to over 75,000 in 2010 and is now Idaho’s third largest city. Growth of 5% or more over the same period has also been observed in Caldwell, Coeur d’Alene, Post Falls, and Twin Falls.
From 1990 to 2010, Idaho’s population increased by over 560,000 (55%). The Boise Metropolitan Area (officially known as the Boise City-Nampa, ID Metropolitan Statistical Area) is Idaho’s largest metropolitan area. Other metropolitan areas in order of size are Coeur d’Alene, Idaho Falls, Pocatello and Lewiston.
The table below shows the racial composition of Idaho’s population as of 2016.
According to the 2016 American Community Survey, 12.0% of Idaho’s population were of Hispanic or Latino origin (of any race): Mexican (10.4%), Puerto Rican (0.2%), Cuban (approx. 0.0%), and other Hispanic or Latino origin (1.3%). The five largest ancestry groups were: German (17.5%), English (16.4%), Irish (9.3%), American (8.1%), and Scottish (3.2%).
Note: Births in table don’t add up, because Hispanics are counted both by their ethnicity and by their race, giving a higher overall number.
According to the Pew Research Center on Religion & Public Life, the self-identified religious affiliations of Idahoans over the age of 18 in 2008 and 2014 were:
According to the Association of Religion Data Archives, the largest denominations by number of members in 2010 were The Church of Jesus Christ of Latter-day Saints with 409,265; the Catholic Church with 123,400; the non-denominational Evangelical Protestant with 62,637; and the Assemblies of God with 22,183.
English is the state’s predominant language. Minority languages include Spanish  and various Native American languages.
Idaho neighborhoods include: Aberdeen, Ahsahka, Albion, American Falls, Ammon, Arimo, Ashton, Athol, Atlanta, Atomic City, Avery, Banks, Bayview, Bellevue, Blackfoot, Blanchard, Bliss, Boise, Bruneau, Buhl, Burley, Calder, Caldwell, Carey, Careywood, Carmen, Cataldo, Centerville, Challis, Chubbuck, Clark Fork, Clarkia, Cocolalla, Coeur D Alene, Coolin, Corral, Cottonwood, Council, Craigmont, Culdesac, Dalton Gardens, Deary, Declo, Dietrich, Downey, Driggs, Eagle, East Magic, Eden, Elk City, Elk River, Ellis, Fairfield, Felt, Ferdinand, Firth, Fruitvale, Gannett, Garden City, Garden Valley, Genesee, Gibbonsville, Glenns Ferry, Gooding, Grangeville, Greencreek, Greenleaf, Hagerman, Hailey, Hamer, Hammett, Harrison, Harvard, Hauser, Hayden, Hayden Lake, Hazelton, Holbrook, Homedale, Hope, Horseshoe Bend, Idaho City, Idaho Falls, Indian Valley, Inkom, Iona, Irwin, Island Park, Jerome, Juliaetta, Kamiah, Kellogg, Kendrick, Ketchum, King Hill, Kingston, Kooskia, Kuna, Lapwai, Lava Hot Springs, Leadore, Lenore, Lewiston, Lewisville, Lowman, Lucile, Malad City, Marsing, May, McCall, McCammon, Medimont, Melba, Menan, Meridian, Mesa, Middleton, Monteview, Moscow, Mountain Home, Mountain Home A F B, Mullan, Murtaugh, Nampa, Newdale, New Meadows, Nezperce, Nordman, North Fork, Oakley, Oldtown, Onaway, Orofino, Parma, Paul, Peck, Picabo, Pierce, Pinehurst, Pingree, Placerville, Plummer, Pocatello, Pollock, Post Falls, Potlatch, Priest Lake, Priest River, Princeton, Rathdrum, Reubens, Rexburg, Richfield, Rigby, Riggins, Ririe, Roberts, Sagle, Saint Anthony, Saint Maries, Salmon, Sandpoint, Shelley, Shoshone, Shoup, Silverton, Smelterville, Spalding, Spirit Lake, Springfield, Star, Star Ranch, Sterling, Stone, Sugar City, Swan Valley, Sweet, Terreton, Teton, Tetonia, Troy, Twin Falls, Victor, Viola, Wallace, Wardner, Wayan, Weippe, Wendell, White Bird, Wilder, Winchester, Worley
For more information, see Idaho wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loans bad credit pre-approval before going to a dealership. By separating the best bad credit auto loans from dealer price negotiations, we empower our clients to get the best deal possible.
The first step to apply for a car loan is to figure out how much you can afford to spend. If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your cars market value is Kelley Blue Book.
Next, you'll want to consider how much money you have to use for a down payment. The more money you put down, the lower your monthly payment will be. If you are looking for an auto loan for bad credit with no money down, don't worry. We can still help you.
Finally, use our auto refi calculator to estimate your monthly payment.
If you've chosen to buy a new car, you will most likely be purchasing the vehicle from a car dealer that accepts both good and bad credit. In order to get the best deal on a bad credit new car loan, you should research the base price, the cost of optional features and the average dealer fees in your area. To get the best deal possible, work with AllCreditCarLoans to get an auto loan pre-approval so that you can negotiate like a cash buyer.
If you are looking to get the most value for your dollar, you will likely be better off looking for no down payment used cars. That's because the prior owners have already absorbed the biggest portion of the vehicle's depreciation and you may have the option to get a used car loan and buy from a private seller, thus saving dealer fees. AllCreditCarLoans can help you with an auto loan for a private seller.
No matter what your credit situation is, AllCreditCarLoans will help you to find the best auto loans that are suited to your needs and budget.
We specialize in:
We can help with an auto loan for a first-time auto buyer, car loans for students and we are proud to have arranged car loans for military service members and their spouses. We've even been able to help foreign nationals and others who do not qualify for a social security number to buy an auto with their ITIN number.
We also specialize in subprime car loans including auto financing after bankruptcy and helping borrowers to obtain auto loans for repossessions.
If you are looking for auto title loans or poor credit car refinancing, we have programs that can help you as well.
AllCreditCarLoans works with the best used buy here pay here car lots, used car bad credit dealerships, 2nd chance auto sales and other used cars bad credit no down payment dealerships to provide the best auto loan rates for used cars.
You are never alone in this process. Our reliable lender partners will guide you every step of the way -- from the time you begin processing your application, all the way to the day when you drive home your new car. Click the Apply Now button below to let us get started helping you today!
The plain truth is that obtaining auto loans or any other kind of personal loan, for that matter, is not as simple as it used to be, especially in Idaho. Large commercial banks don't want anything to do with personal loans, especially financing new cars. In most cases, people who buy a new car from a dealer wind up financing their loan through the dealership. The dealer will most likely tack additional charges onto the bottom line.
If your credit score is less than perfect you understand that you are facing many restrictions on the type of financing you can realistically get. Lending is a high risk venture. Now more than ever. The lender evaluates your repayment history. Nobody wants to lend money to someone known for defaulting on loans. Those who do, charge more interest and apply more restrictions. More interest equals to more of the money being paid back before you default. How your credit score affects your work ethic is another story. But, it is true. Some employers will not hire you if your credit is bad.
Similarly, you have the "title loan." You put up your car as collateral and agree to pay back the loan in a very short time. Usually about a week. This is basically legalized loan sharking. If you borrow $200, you pay back in the neighborhood of $300 to $400 hundred. This may help you buy a second vehicle, but think about it - is a second vehicle really that important? Why not take the bus for a while, save up and buy your second or first vehicle without all the extra charges?
Always carefully read all of the fine print in any kind of financial deal. If a no credit car loan will benefit your financial situation without putting you out on the ledge, then go for it.
If you're in the market for a vehicle and have bad credit, you've probably been asked by a car dealer or two in Idaho about whether or not you have money to put down. This is common and, depending upon your credit score, you may or may not have to have a down payment. All car dealers have different requirements for money down and it can depend on a number of factors. Here, we'll take a look at how different types of car dealerships and lenders view down payments, as well as, how they can affect your loan approval.
Most new car dealerships are able to apply rebates and incentives to reduce the need for money down. If you have negative equity in a vehicle that you're trading in, you may have to provide money down to cover the negative equity so that it's not carried over into your new loan. While buying a new car with bad credit isn't so common, there are many manufacturers that offer lower priced new cars with attractive financing incentives to make buying easier for people with lower credit scores.
Services available online in some cases may be able to match you with a lender willing to help you get approved for a car loan with little to no money down. It's a matter of finding the right combination of vehicle and dealer to work with your individual circumstances.
Having bad credit often leads to the need for a down payment when buying a car. New car dealerships may offer incentives or rebates to offset the need and used car dealers may be able to make the numbers work in your favor. Buy here pay here car lots generally always require down payments. Negative equity in the vehicle you're trading can prevent you from being able to buy without any money down.