Auto Loan Rates in Colorado (CO) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Colorado. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Colorado include Electrical Federal Credit UnionElectrical Federal Credit Union5080 W 60th Ave, Arvada, CO, 80003 6919A+5.0 ★Texas Ratio: 1.71% offering Auto Loan at 3.49%, Metrum Community Credit UnionMetrum Community Credit Union6980 S Holly Cir, Centennial, CO, 80112 1018A+5.0 ★Texas Ratio: 1.43% offering NEW & USED AUTO at 4.64%, Together Credit UnionTogether Credit Union1520 E Mulberry St, Fort Collins, CO, 80524 3501A+5.0 ★Texas Ratio: 5.65% offering New Auto at 4.64%, Horizons North Credit UnionHorizons North Credit Union13559 Huron St, Westminster, CO, 80234 1161A+5.0 ★Texas Ratio: 0.05% offering Auto Loans at 4.89%, Sterling Federal Credit UnionSterling Federal Credit Union822 W Main St, Sterling, CO, 80751A+5.0 ★Texas Ratio: 0.45% offering New Auto Loan at 4.99%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Colorado side-by-side. Colorado auto loan rates currently start as low as 3.49% APR from Electrical Federal Credit Union at 5080 W 60th Ave, Arvada, CO, 80003 6919. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Colorado. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Colorado
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
Auto Loan
3.49%
60 Months
▼
APR3.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; with Relationship Pricing
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
NEW & USED AUTO
4.64%
84 Months
▼
APR4.64%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Any age of vehicle**Purchased from a dealer or private party
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
REFINANCE NEW & USED AUTO
4.64%
72 Months
▼
APR4.64%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Any age of vehicle**Refinanced from another financial
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
13559 Huron St, Westminster, CO, 80234 1161
Auto Loans
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; New, used and refi
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
New Auto Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2022 & Newer
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
New Auto Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedMay 6, 2026
Details
As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
4.99%
Up to 36
▼
APR4.99%
TermUp to 36
Last UpdatedMay 10, 2026
Details
Arapahoe Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.57%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
New Car/ Truck/ Van
4.99%
12-96M
▼
APR4.99%
Term12-96M
Last UpdatedMay 10, 2026
Details
As Low As
Arapahoe Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.57%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
Used Car/ Truck/ Van
4.99%
12-96M
▼
APR4.99%
Term12-96M
Last UpdatedMay 10, 2026
Details
As Low As
Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2380 E Bridge St, Brighton, CO, 80601
Automobiles
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 12, 2026
Details
As Low As
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
New Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Model Year: New: 2022 & Newer
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
New: 2022 & Newer Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Rate Adjusts with Term
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.50%
7990 W Alameda Ave, Lakewood, CO, 80226
Auto Loans
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 84 Month Term
Foothills Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.50%
7990 W Alameda Ave, Lakewood, CO, 80226
New Auto Loan
5.26%
Up to 84 Months
▼
APR5.26%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Foothills Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.50%
7990 W Alameda Ave, Lakewood, CO, 80226
Used Auto Loan
5.26%
Up to 84 Months
▼
APR5.26%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1275 Tremont Pl, Denver, CO, 80204 2118
FlexChoice Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount)*
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1275 Tremont Pl, Denver, CO, 80204 2118
Used Auto Loans
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount)*
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedMay 10, 2026
Details
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
803 E Olive St, Lamar, CO, 81052
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedMay 10, 2026
Details
As Low As
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
516 28 Rd, Grand Junction, CO, 81501
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 12, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
101 W Denver St, Holyoke, CO, 80734 1427
New Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
Used Auto Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2021 - 2018
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Model Year: Used: 2021 - 2018
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used: 2021 - 2018 Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Rate Adjusts with Term
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
New Auto
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 7, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedMay 7, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
Used Auto Loan
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2017 & Older
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Model Year: Used: 2017 & Older
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used: 2017 & Older Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Rate Adjusts with Term
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1275 Tremont Pl, Denver, CO, 80204 2118
Business Vehicle Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 10, 2026
Details
Fixed Rate up to 72 months
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Used Auto
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedMay 7, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedMay 7, 2026
Details
As Low As
Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
10.99%
36 Months
▼
APR10.99%
Term36 Months
Last UpdatedMay 10, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
11.49%
60 Months
▼
APR11.49%
Term60 Months
Last UpdatedMay 10, 2026
Details
Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
11.99%
72 Months
▼
APR11.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
NEW & USED AUTO
4.64%
84 Months
▼
APR4.64%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Any age of vehicle**Purchased from a dealer or private party
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
REFINANCE NEW & USED AUTO
4.64%
72 Months
▼
APR4.64%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Any age of vehicle**Refinanced from another financial
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
New Auto Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2022 & Newer
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
New Auto Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedMay 6, 2026
Details
As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value
Arapahoe Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.57%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
New Car/ Truck/ Van
4.99%
12-96M
▼
APR4.99%
Term12-96M
Last UpdatedMay 10, 2026
Details
As Low As
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
New Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Model Year: New: 2022 & Newer
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
New: 2022 & Newer Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Rate Adjusts with Term
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Foothills Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.50%
7990 W Alameda Ave, Lakewood, CO, 80226
New Auto Loan
5.26%
Up to 84 Months
▼
APR5.26%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
803 E Olive St, Lamar, CO, 81052
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedMay 10, 2026
Details
As Low As
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
516 28 Rd, Grand Junction, CO, 81501
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 12, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
101 W Denver St, Holyoke, CO, 80734 1427
New Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
New Auto
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 7, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedMay 7, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
NEW & USED AUTO
4.64%
84 Months
▼
APR4.64%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Any age of vehicle**Purchased from a dealer or private party
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
REFINANCE NEW & USED AUTO
4.64%
72 Months
▼
APR4.64%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Any age of vehicle**Refinanced from another financial
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Arapahoe Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.57%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
Used Car/ Truck/ Van
4.99%
12-96M
▼
APR4.99%
Term12-96M
Last UpdatedMay 10, 2026
Details
As Low As
Foothills Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.50%
7990 W Alameda Ave, Lakewood, CO, 80226
Used Auto Loan
5.26%
Up to 84 Months
▼
APR5.26%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1275 Tremont Pl, Denver, CO, 80204 2118
Used Auto Loans
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount)*
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
803 E Olive St, Lamar, CO, 81052
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedMay 10, 2026
Details
As Low As
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
516 28 Rd, Grand Junction, CO, 81501
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 12, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
Used Auto Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2021 - 2018
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Model Year: Used: 2021 - 2018
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used: 2021 - 2018 Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Rate Adjusts with Term
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedMay 7, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
Used Auto Loan
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2017 & Older
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Model Year: Used: 2017 & Older
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used: 2017 & Older Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; Rate Adjusts with Term
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Used Auto
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedMay 7, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedMay 7, 2026
Details
As Low As
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MonitorBankRates
Colorado Auto Loan Rate Trends
Compare local Colorado auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — CO Avg
5.243%
▲ 0.228 vs 7 days ago
Colorado new auto rates rose 0.228 points over the past 7 days to 5.243% APR.
Used Auto Loan — CO Avg
5.639%
▼ 0.196 vs 7 days ago
Colorado used auto rates fell 0.196 points over the past 7 days to 5.639% APR.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Colorado
How does my credit score affect my car loan rate in Colorado?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Colorado with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Colorado *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Colorado typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Colorado?
Based on our current data, some of the lowest auto loan rates available in Colorado include:
- Electrical Federal Credit Union: 3.49% (Auto Loan)
- Metrum Community Credit Union: 4.64% (NEW & USED AUTO)
- Together Credit Union: 4.64% (New Auto)
- Horizons North Credit Union: 4.89% (Auto Loans)
- Sterling Federal Credit Union: 4.99% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Colorado. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Auto Loan Rates by City in Colorado
Rate Assistant
MonitorBankRates.com · Live Data
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