Auto Loan Rates in Colorado (CO) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Colorado include Rio Grande Federal Credit UnionRio Grande Federal Credit Union760 Rood Ave, Grand Junction, CO, 81501 3408A+5.0 ★Texas Ratio: 0.09% offering New Auto Loans at 2.89%, Electrical Federal Credit UnionElectrical Federal Credit Union5080 W 60th Ave, Arvada, CO, 80003 6919A+5.0 ★Texas Ratio: 1.68% offering Auto Loan at 3.49%, Sterling Federal Credit UnionSterling Federal Credit Union822 W Main St, Sterling, CO, 80751A+5.0 ★Texas Ratio: 0.45% offering New Auto: 2023 & Newer at 4.99%, Colorado Credit UnionColorado Credit Union2380 E Bridge St, Brighton, CO, 80601A+5.0 ★Texas Ratio: 2.29% offering Automobiles at 4.99%, SouthState BankSouthState Bank807 Mountain Ave, Berthoud, CO, 80513A+5.0 ★Texas Ratio: 3.02% offering Car Loans at 5.23%. Auto loan rates as of July 15, 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 2.89% APR from Rio Grande Federal Credit Union at 760 Rood Ave, Grand Junction, CO, 81501 3408. 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: July 15, 2026
Compare Auto Loan Rates Today in Colorado
Colorado Auto Loan Rates
As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value
As Low As; 72 month term rates begin at 2.99%
As Low As; with Relationship Pricing
As low as; Rate Adjusts with Term
As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value
As Low As
As Low As; 4.99 APR
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. Based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; APR
As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount)*
As low as; (for 66 months or less with LTV 80% or less and automatic payment discount)*
As low as
As low as; Rate Adjusts with Term
As low as; Rate Adjusts with Term
Colorado New Auto Auto Loan Rates
As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value
As low as; Rate Adjusts with Term
As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value
As low as
Colorado Used Auto Auto Loan Rates
As Low As; 72 month term rates begin at 2.99%
As Low As
As low as; (for 66 months or less with LTV 80% or less and automatic payment discount)*
As low as; Rate Adjusts with Term
As low as; Rate Adjusts with Term
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.
Colorado new auto rates fell 0.018 points over the past 7 days to 5.119% APR.
Colorado used auto rates fell 0.422 points over the past 7 days to 5.204% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Colorado auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Colorado directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Colorado. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in CO.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Colorado
How does my credit score affect my car loan rate in Colorado?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Colorado?
- Rio Grande Federal Credit Union: 2.89% (New Auto Loans)
- Electrical Federal Credit Union: 3.49% (Auto Loan)
- Sterling Federal Credit Union: 4.99% (New Auto: 2023 & Newer)
- Colorado Credit Union: 4.99% (Automobiles)
- SouthState Bank: 5.23% (Car Loans)
Auto Loan Rates by City in Colorado
