Skip to main content
Become a Member Apply for a Loan
Routing # 324173383

Auto Loans

Apply for your Auto Loan   Schedule an Appointment

Putting You Back in the Driver's Seat

man sitting on the hood of a carPicture yourself driving down the road, windows down, your favorite song playing, and the wind blowing through your hair. If your vision includes a new car, we've got you covered!

With great vehicle loan rates available at Pioneer, now is the perfect time to buy the car, truck or SUV you've been wanting. With experience working with dealerships across Idaho, including Boise, Mountain Home, and all the way to Twin Falls, Pioneer will work hard to get you the low rate you deserve!

Our Auto Loans offer:

  • Competitive rates
  • Flexible terms
  • Loan pre-approval before you shop
  • Refinance your current vehicle loan from another financial institution and save big

How To Apply

Complete your application online, stop by your local branch, or use the myPioneer Personal Assistant app to apply. 

Register your new car's insurance online with Pioneer, by visiting your local branch or using the myPioneer Personal Assistant app.

Is Your Credit a Concern?

Not sure you're getting the best rate? Complete a Credit Checkup to see how you can improve your credit with our help. Click here to get started!

First-Time Auto Buyer Loan

Young woman sitting on back of car looking at a phone at the beachBuying your first car is exciting, but getting a loan can be difficult. If you have little or no credit history, it might even feel impossible, unless you compromise for getting a co-signer or have high interest rates.

Pioneer wants to help! For our members looking to buy their first car, we offer our First-Time Auto Buyer Loan. All you have to do is find the right car for you, and we'll take care of the rest, including:

  • Financing for up to 100% of retail value of your new car**
  • No down payment required
  • Easily make loan payments each month by scheduling an auto transfer at any branch or through myPioneer Online Banking
  • Convenient 24/7 access to your loan information with our top-rated mobile app
  • A dedicated Financial Solutions Partner who will work closely with you to raise your credit score.

Get Started Today

Visit any of our local branches or click the button below to complete your FREE Credit Checkup. We'll even add an additional $500 to obtain a Share Secured Visa® credit card to help you establish your credit faster!

Free Credit Checkup 

**Vehicle cannot be older than 10 years and have no more than 125,000 miles. Member must have/open a Checking Account with Direct Deposit. Annual Percentage Rate (APR) is based on qualified credit. Application fee may apply. All loans subject to credit approval. All rates are subject to change as a result of Board of Directors' action. Other conditions may apply.

Vehicle Loan
Loan Term Rate as low as*
Up to 36 Months 4.99%
37 - 48 Months 5.19%
49 - 60 Months 6.39%
61 - 72 Months 6.59%
73 - 84 Months 6.79%

Example: a new vehicle loan at 6.59% APR with 72 monthly payments is $17.74 per $1,000 borrowed each month.

Rates updated September 16, 2024

Rate listed is our lowest and best rates. Your rate may be higher depending on credit history and underwriting criteria. Application fee may apply and will result in the annual percentage rate (APR) to be slightly higher than advertised rates. All loans are subject to credit approval. All rates are subject to change as a result of Board of Directors' action. Other conditions may apply. 

"WOW" Experiences

"Pioneer has great, personalized service and rates better than your competition. You even reduced my rate prior to signing!"

Warren C

“The process didn’t take long, and the loan officer was very helpful and pleasant to work with!”

Dana W

"I needed an auto loan, and Pioneer stepped up and gave me an incredible interest rate that I just couldn't refuse. There is nothing that I see that could be improved upon at this time."

Brandon T

“They lowered my interest rate and monthly payment, and I received the needed equity in my car. I have always recommended Pioneer to friends and family – over 30 years of fantastic service.”

Cheryl R

“Pioneer has our go to for our auto loans due to the great rate they give us. We've only had one minor glitch in our payment process but with one phone call, it was taken care of immediately. We also receives a follow up email the next month to ensure that the payment processed to our satisfaction. Excellent customer service!”

Kathyrine B

“I needed an auto loan for the car I bought a year and a half ago and you guys stepped up and gave me an incredible interest rate that I just could not refuse.”

Brandon T

“They gave me a totally awesome rate on my car loan. I’ve always paid cash, but I didn’t want to deplete my savings. They have been totally wonderful, helpful, and kind on the phone.”

Mariana W

Frequently Asked Questions

View All FAQs