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Car and Truck Loans

CapEd offers loans for new or used vehicles with terms available up to 96 months on approved credit.

Financing Options

CapEd has you covered when you are looking for a new vehicle. Try our Vehicle Loan Calculator to help you estimate a monthly payment or loan term.

  Dealer Financing

You can finance your vehicle with CapEd at numerous dealerships throughout the Treasure Valley and Magic Valley.

  Get Pre-Approved

Get pre-approved for your next vehicle loan to make shopping for a vehicle easier. Pre-approvals are good for 90 days and can be used for vehicle purchases at the dealership or from a private party.

  Payment Saver

A no down payment option with lower monthly payments and flexible loan terms. Read more about the payment saver program and contact us today to get started.

  CapEd refinances vehicle loans you have with another lender. If you are looking for a better rate on your current vehicle loan, we may be able to help!

Shop for a Car Online

As a member of CapEd, we want to bring convenience to all of your financial transactions. That’s why we partnered with AutoSMART to offer you a website that consolidates your vehicle search and auto loan application into one easy process!

Shop for vehicles from multiple dealerships in the Treasure and Magic Valleys, and apply for an auto loan without having to leave your browser, or the comfort of your home. Find your car online today.

Protect your Vehicle

Your vehicle purchase is a big investment. Let CapEd help you protect that investment.

  Guaranteed Asset Protection (GAP)

GAP coverage is an additional measure of security that reduces the financial burden that may be incurred if your vehicle is stolen or totaled. GAP prevents the deficiency loan balance from being added to a new loan in the event of a total loss. GAP can be purchased at a low, one-time cost.

  Mechanical Breakdown Protection

CapEd offers a low-cost protection program that protects members from expensive auto repairs. You may qualify to purchase this for vehicles you already own, even if you financed it elsewhere.


Rates current as of .

Age of Vehicle Loan Term APR as low as Payment per $1,000 Borrowed
2013 - 2021 24 - 96 months % $ (60 months)
2012 and older 24 - 96 months % $ (60 months)

Apply for a Vehicle Loan

Easily apply online for a vehicle loan, or contact us to get started.


Tools to help you with your vehicle loan.


All loans subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.