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What you need to know about auto loans in Boise...Credit FAQ's:

Q - If I have a bankruptcy can I get approved? 
A - Absolutely, unlike other dealers we can get you a loan prior to your 341 meeting. YOU DO NOT NEED TO BE DISCHARGED! Of course, we can still assist you if your bankruptcy has discharged. 

Q - Can I get approved if I am in a Chapter 13 bankruptcy? 
A - Yes, we can help you work closely with your attorney to obtain authorization from the courts to purchase a vehicle. 

Q - Do I have to keep or re-affirm my current vehicle? 
A - No, now is the time to start re-establishing your credit. In most cases when you keep your current vehicle, it will no longer report on your credit bureau. This will only delay the process of re-establishment. 

Q - Will my interest rate be less if I wait until my bankruptcy discharges?
A - Not necessarily, we offer competitive financing plus rate reduction. This program allows you to reduce your interest rate every 3 months as long as your payments are made on time, provided you qualify for the program guidelines.

Q: I have had a repossession in the past, can I get another car loan?
A: It depends with every scenario, but there are banks who will lend to individuals in those situations.  Contact us today to see if you meet the requirements.

Q: I have been to other car lots and they have a lot of junk cars, is it the same at Larry H. Miller Subaru?
A: NO!  Larry H. Miller Subaru offers vehicles that anyone would be proud to own.

Q: Are your vehicles professionally inspected?
A: Yes.  Every vehicle on our lot goes through a 124 point safety inspection before being offered for sale.

Q: I have collections on my credit report, will that keep me from being approved?
A: It depends on your personal situation.  Call us today to be pre-approved.

Q - How much can I get pre-approved for?
A - The loan amount that you will get pre-approved for is based on a number of factors.  It will be based off of your gross monthly income (before taxes) as well as the amount of your previous installment loan history. 

Q - When I qualify, how much money will I need for down payment? 
A - We have many programs available that require no down payment. 

Q - Can I use my trade as down payment?
A - Absolutely, we accept all makes and models. Just bring in your vehicle for a professional trade appraisal. 

Q - Will a co-signer help me get approved? 
A - In some situations, a co-signer can be beneficial. This is determined on a case by case basis. In some instances both applicants will have to qualify on their own. 

Q - What are the interest rates?
A - Rates are based on your credit score, miles on the vehicle, length of the loan and the equity position of the loan.  The higher your credit rating and down payment the lower your rates will be. We offer the most competitive financing available. 

Q - I have had a recent repossession, can I still pre-qualify? 
A - If you have had repossession outside of a bankruptcy, we work with many lenders that are still willing to give you a second chance.

Q - Can I get approved if this is my first auto loan?
A - In most cases, we have programs available. Lenders will typically look at an applicant's income and stability.

Q - Why buy from us? 
A - We have established relationships with many lenders that other dealers are not able to offer. This allows us to offer you the lowest rates, best quality vehicles and more financing options. These lenders are reputable and report to all credit bureaus so you can re-build your credit. 

If you have additional questions that we have not addressed, please contact a member of our team at 1-888-546-8231 for more information.

*Our purpose is to assist you in a vehicle purchase and to help secure a loan through a finance institution. We are in no way qualified to give legal advice or counsel. If you have legal questions or want to discuss your options, we recommend you contact your attorney. All financing is OAC.
 Idaho Credit Express
at Larry H. Miller Subaru
11196 W. Fairview Ave
Boise, ID 83713



  • Monday 9:00 am - 8:00 pm
  • Tuesday 9:00 am - 8:00 pm
  • Wednesday 9:00 am - 8:00 pm
  • Thursday 9:00 am - 8:00 pm
  • Friday 9:00 am - 8:00 pm
  • Saturday 9:00 am - 7:00 pm
  • Sunday Closed

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We are here to help you through the process of obtaining an auto loan following credit difficulties. If you have any questions at all, feel free to call us anytime at the number listed above. We are here to help!