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  7. Auto Loan Rate Trends

Colorado Best Auto Loan Rates - October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| i Editorial Disclosure
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.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 13, 2026

Colorado auto loan rates range from 3.74% to 17.50% APR, verified by MonitorBankRates as of October 13, 2026. 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: 2.60% offering New/Used Auto Purchase at 3.74%, Navy Federal Credit UnionNavy Federal Credit Union1125 S Tower Rd, Aurora, CO, 80017A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, SunwardSunward22 Town Plz, Durango, CO, 81301 5104A+5.0 ★Texas Ratio: 2.97% offering New & Used Vehicle Loan at 4.18%, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union17455 E Exposition Dr, Aurora, CO, 80017A5.0 ★Texas Ratio: 8.22% offering New Auto - FIXED at 4.24%, San Juan Mountains Credit UnionSan Juan Mountains Credit Union1400 E Main St, Montrose, CO, 81401A+5.0 ★Texas Ratio: 1.71% offering New and Used Auto - 60 Months at 4.25%. Auto loan rates as of October 13, 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 3.74% APR from Electrical Federal Credit Union at 5080 W 60th Ave, Arvada, CO, 80003 6919. Rates are continually updated, so 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: October 13, 2026

Compare Auto Loan Rates Today in Colorado

Jump to: All Auto Loans · New Auto · Used Auto

Colorado Auto Loan Rates

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: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
3.74%
Up to 24 months
View
▼
APR3.74%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 20, 2026: 3.49% APROct 8, 2026: 3.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.74%▲ from 3.49%
  • Sep 20, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
4.18%
Up to 36 months
View
▼
APR4.18%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.18% APR · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APRSep 14, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
3.49%4.12%4.74%Sep 20, 2026: 3.99% APROct 8, 2026: 4.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.24%▲ from 3.99%
  • Sep 20, 20263.99%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO, 80017
New Auto - FIXED
4.24%
3 Years
View
▼
APR4.24%
Term3 Years
Last UpdatedOct 13, 2026
Details

Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 13, 2026: 4.24% APROct 13, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
4.25%
60 Months
View
▼
APR4.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
1 change since Sep 14, 2026 · 4.75% → 4.25% ▼ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 14, 2026: 4.75% APROct 9, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.49%
48 months
View
▼
APR4.49%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 20, 2026: 4.24% APROct 8, 2026: 4.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.49%▲ from 4.24%
  • Sep 20, 20264.24%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO, 80017
New Auto - FIXED
4.59%
4 Years
View
▼
APR4.59%
Term4 Years
Last UpdatedOct 13, 2026
Details

Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.59% APR
4.09%4.59%5.09%Oct 13, 2026: 4.59% APROct 13, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO, 80017
New Auto - FIXED
4.74%
5 Years
View
▼
APR4.74%
Term5 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO, 80017
New Auto - FIXED
4.84%
6 Years
View
▼
APR4.84%
Term6 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.84% APR
4.34%4.84%5.34%Oct 13, 2026: 4.84% APROct 13, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
4.89%
37-48 months
View
▼
APR4.89%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 6 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
633 24 Rd, Grand Junction, CO, 81505
Auto Loans
4.89%
up to 84 months
View
▼
APR4.89%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; APR as low as 4.89%; Rate based on credit worthiness and term of loan; Rates effective as of February 2026

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 10 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
1549 E Abriendo Ave, Pueblo, CO, 81004 3403
Vehicle Loan
4.99%
201 months
View
▼
APR4.99%
Term201 months
Last UpdatedOct 1, 2026
Details

Term: Up to Published Retail Value - 2018 Through Current Model Year

Rate History
No change since Oct 1, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 1, 2026: 4.99% APROct 1, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
New or Refinanced New Electric Vehicle
4.99%
4 years
View
▼
APR4.99%
Term4 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Red Rocks Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
8195 Southpark Ln, Littleton, CO, 80120 4520
Auto Loan
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As; Payment amount is determined by APR and term. For example, the payment on a $30,000 loan at 6.99% for 60 months would be $590.36. See credit union for complete details. All loans are subject to credit approval.

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO, 81501 3408
New Auto Loans
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; 72 month term rates begin at 6.59%; Financing available up to 100% of value

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO, 81501 3408
Used Auto Loans
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO, 80758 1724
Titled Vehicles Loan
4.99%
Up To 96 Months
View
▼
APR4.99%
TermUp To 96 Months
Last UpdatedOct 12, 2026
Details

As Low As; Year: 2025-2026

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO, 80758 1724
Titled Vehicles Loan
4.99%
Up To 72 Months
View
▼
APR4.99%
TermUp To 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Year: 2023 - 2024

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO, 80758 1724
Titled Vehicles Loan
4.99%
Up To 60 Months
View
▼
APR4.99%
TermUp To 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Year: 2021 - 2022

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
401 MAIN ST, WRAY, CO, 80758 1724
Titled Vehicles Loan
4.99%
Up To 48 Months
View
▼
APR4.99%
TermUp To 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Year: 2020 & Older

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO, 80122
New Auto Loan
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 10 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO, 80122
Used Auto Loan
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 10 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedOct 13, 2026
Details

Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 4.64% → 4.99% ▲ 0.35 pts · high 4.99% / low 4.64%
4.14%4.81%5.49%Sep 14, 2026: 4.64% APROct 5, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.99%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Years: 2021-2026; APR range: 4.99% - 20.24%; Rate may vary based on credit history, term, miles and other qualifications

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Arapahoe Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
Vehicle Loans - New Car/ Truck/ Van
4.99%
12-96 months
View
▼
APR4.99%
Term12-96 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate (APR) As Low As column

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Arapahoe Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
Vehicle Loans - Used Car/ Truck/ Van
4.99%
12-96 months
View
▼
APR4.99%
Term12-96 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate (APR) As Low As column

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO, 80127
Auto Loans
4.99%
up to 84 months
View
▼
APR4.99%
Interest Rate4.99%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2023-2026; Rate Range: 4.99%-21.00%; Terms longer than 63 months require a minimum finance amount

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
2901 S 27TH AVE, GREELEY, CO, 80631
NEW AUTO 2023-2025 0-72 mo
4.99%
0-72 months
View
▼
APR4.99%
Interest Rate4.99%
Term0-72 months
Last UpdatedOct 13, 2026
Details

Base Rate; Model Year: 2023-2025

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
6980 S Holly Cir, Centennial, CO, 80112 1018
New & Used Auto Loan
5.14%
Up to 84 months
View
▼
APR5.14%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Any age of vehicle; Purchased from a dealer or private party; Up to 130% of NADA Retail Value; Apply Online

Rate History
1 change since Sep 14, 2026 · 4.64% → 5.14% ▲ 0.50 pts · high 5.14% / low 4.64%
4.14%4.89%5.64%Sep 14, 2026: 4.64% APROct 9, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.14%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
5.15%
49-60 months
View
▼
APR5.15%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.15% APR · checked 6 times
4.65%5.15%5.65%Sep 14, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO, 80127
Auto Loans
5.15%
up to 84 months
View
▼
APR5.15%
Interest Rate5.15%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2020-2022; Rate Range: 5.15%-21.00%; Terms longer than 63 months require a minimum finance amount

Rate History
No change since Sep 14, 2026 · 5.15% APR · checked 6 times
4.65%5.15%5.65%Sep 14, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
807 Mountain Ave, Berthoud, CO, 80513
New Cars Loan
5.23%
72 months
View
▼
APR5.23%
Term72 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 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.

Rate History
No change since Sep 15, 2026 · 5.23% APR · checked 5 times
4.73%5.23%5.73%Sep 15, 2026: 5.23% APRSep 15, 2026Oct 13, 2026
Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
2380 E Bridge St, Brighton, CO, 80601
Automobiles
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 10, 2026
Details

Loan Amount example: $15,000; Payment example: $350.06

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 4.99% APROct 10, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 20, 2026: 4.99% APROct 8, 2026: 5.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.24%▲ from 4.99%
  • Sep 20, 20264.99%first recorded
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.06%
816 Washington Ave, Golden, CO, 80401
Autos
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 21.00%; APR based on qualified credit, 80% LTV, 48-month term and auto pay enrollment from an On Tap Credit Union account; Effective: October 1, 2026

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★ Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO, 80401 6041
New & Used Vehicles, Motorcycles Loan
5.24%
60 months
View
▼
APR5.24%
Interest Rate5.24%
Term60 months
Last UpdatedOct 13, 2026
Details

Longer terms available

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APROct 5, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
  • Oct 5, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 A Credit Tier

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - New Auto Fixed Rate
5.25%
Up to 36 months
View
▼
APR5.25%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 13, 2026: 5.25% APROct 13, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
5.28%
61-72 months
View
▼
APR5.28%
Term61-72 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.28% APR · checked 6 times
4.78%5.28%5.78%Sep 14, 2026: 5.28% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto
5.34%
Up to 63 Months
View
▼
APR5.34%
TermUp to 63 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.34% ▲ 0.35 pts · high 5.34% / low 4.99%
4.49%5.17%5.84%Sep 14, 2026: 4.99% APROct 5, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.34%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - New Auto Fixed Rate
5.35%
48 months
View
▼
APR5.35%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.35% APR
4.85%5.35%5.85%Oct 13, 2026: 5.35% APROct 13, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
5505 Arapahoe Ave, Boulder, CO, 80303
Autos & Motorcycles Loan
5.37%
48 Months
View
▼
APR5.37%
Interest Rate5.25%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans

Rate History
1 change since Sep 18, 2026 · 5.12% → 5.37% ▲ 0.25 pts · high 5.37% / low 5.12%
4.62%5.25%5.87%Sep 18, 2026: 5.12% APROct 9, 2026: 5.37% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.37%▲ from 5.12%
  • Sep 18, 20265.12%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.43%
5935 S Zang St, Littleton, CO, 80127
Auto Loans
5.40%
up to 84 months
View
▼
APR5.40%
Interest Rate5.40%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2016-2019; Rate Range: 5.40%-21.00%; Terms longer than 63 months require a minimum finance amount

Rate History
No change since Sep 14, 2026 · 5.40% APR · checked 6 times
4.90%5.40%5.90%Sep 14, 2026: 5.40% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - New Auto Fixed Rate
5.45%
60 months
View
▼
APR5.45%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.45% APR
4.95%5.45%5.95%Oct 13, 2026: 5.45% APROct 13, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
100 Fillmore St, Denver, CO, 80206
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
New or Refinanced New Electric Vehicle
5.49%
5 years
View
▼
APR5.49%
Term5 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
Used or Refinanced Used Electric Vehicle
5.49%
4 years
View
▼
APR5.49%
Term4 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
516 28 Rd, Grand Junction, CO, 81501
Auto Loan (New & Used)
5.49%
Up to 7 years
View
▼
APR5.49%
TermUp to 7 years
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 17.99%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.49%
up to 60 months
View
▼
APR5.49%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO, 80017
New Auto - FIXED
5.49%
7 Years
View
▼
APR5.49%
Term7 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedOct 13, 2026
Details

Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 5.14% → 5.49% ▲ 0.35 pts · high 5.49% / low 5.14%
4.64%5.31%5.99%Sep 14, 2026: 5.14% APROct 5, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.49%▲ from 5.14%
  • Sep 14, 20265.14%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.49%
1-36 Months
View
▼
APR5.49%
Term1-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
1 change since Sep 22, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 22, 2026: 4.99% APROct 13, 2026: 5.49% APRSep 22, 2026Oct 13, 2026
  • Oct 13, 20265.49%▲ from 4.99%
  • Sep 22, 20264.99%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.49%
37-48 Months
View
▼
APR5.49%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.49%
49-60 Months
View
▼
APR5.49%
Term49-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Years: 2020-2022; APR range: 5.49% - 20.74%; Rate may vary based on credit history, term, miles and other qualifications

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO, 80226
New Auto Loan
5.49%
Up to 84 Months
View
▼
APR5.49%
Interest Rate5.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Lowest Rate column; APR* = Annual Percentage Rate for best rates; rate may be higher depending on credit history and underwriting

Rate History
1 change since Sep 14, 2026 · 5.26% → 5.49% ▲ 0.23 pts · high 5.49% / low 5.26%
4.76%5.38%5.99%Sep 14, 2026: 5.26% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 5.26%
  • Sep 14, 20265.26%first recorded
Foothills Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO, 80226
Used Auto Loan
5.49%
Up to 84 Months
View
▼
APR5.49%
Interest Rate5.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Lowest Rate column; APR* = Annual Percentage Rate for best rates; rate may be higher depending on credit history and underwriting

Rate History
1 change since Sep 14, 2026 · 5.26% → 5.49% ▲ 0.23 pts · high 5.49% / low 5.26%
4.76%5.38%5.99%Sep 14, 2026: 5.26% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 5.26%
  • Sep 14, 20265.26%first recorded
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - Used Auto Fixed Rate
5.50%
Up to 36 months
View
▼
APR5.50%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - New Auto Fixed Rate
5.55%
72 months
View
▼
APR5.55%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.55% APR
5.05%5.55%6.05%Oct 13, 2026: 5.55% APROct 13, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - Used Auto Fixed Rate
5.60%
48 months
View
▼
APR5.60%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.60% APR
5.10%5.60%6.10%Oct 13, 2026: 5.60% APROct 13, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
5505 Arapahoe Ave, Boulder, CO, 80303
Autos & Motorcycles Loan
5.60%
60 Months
View
▼
APR5.60%
Interest Rate5.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans

Rate History
1 change since Sep 18, 2026 · 5.35% → 5.60% ▲ 0.25 pts · high 5.60% / low 5.35%
4.85%5.48%6.10%Sep 18, 2026: 5.35% APROct 9, 2026: 5.60% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.60%▲ from 5.35%
  • Sep 18, 20265.35%first recorded
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - New Auto Fixed Rate
5.65%
84 months
View
▼
APR5.65%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.65% APR
5.15%5.65%6.15%Oct 13, 2026: 5.65% APROct 13, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
100 Fillmore St, Denver, CO, 80206
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
807 Mountain Ave, Berthoud, CO, 80513
New Cars Loan
5.70%
84 months
View
▼
APR5.70%
Term84 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 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.

Rate History
No change since Sep 15, 2026 · 5.70% APR · checked 5 times
5.20%5.70%6.20%Sep 15, 2026: 5.70% APRSep 15, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - Used Auto Fixed Rate
5.70%
60 months
View
▼
APR5.70%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 13, 2026: 5.70% APROct 13, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 20, 2026: 5.49% APROct 8, 2026: 5.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.74%▲ from 5.49%
  • Sep 20, 20265.49%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO, 80003
Auto Loan Purchase
5.74%
0-75 Months
View
▼
APR5.74%
Term0-75 Months
Last UpdatedOct 13, 2026
Details

Best Rate APR; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 5.59% → 5.74% ▲ 0.15 pts · high 5.74% / low 5.59%
5.09%5.67%6.24%Sep 14, 2026: 5.59% APROct 9, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.74%▲ from 5.59%
  • Sep 14, 20265.59%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO, 80003
Business Vehicle Loans - "Regular" Auto/Trucks
5.74%
0-75 Months
View
▼
APR5.74%
Term0-75 Months
Last UpdatedOct 13, 2026
Details

Effective Date: October 1, 2026; Best Rate APR

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.74%
61-75 Months
View
▼
APR5.74%
Term61-75 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
1 change since Sep 22, 2026 · 5.99% → 5.74% ▼ 0.25 pts · high 5.99% / low 5.74%
5.24%5.87%6.49%Sep 22, 2026: 5.99% APROct 13, 2026: 5.74% APRSep 22, 2026Oct 13, 2026
  • Oct 13, 20265.74%▼ from 5.99%
  • Sep 22, 20265.99%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 A Credit Tier

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New Vehicle Loan
5.75%
73-84 months
View
▼
APR5.75%
Term73-84 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Business Vehicle Loan
5.79%
37-60 months
View
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Business Vehicle Loan
5.79%
61-72 months
View
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - Used Auto Fixed Rate
5.80%
72 months
View
▼
APR5.80%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 13, 2026: 5.80% APROct 13, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
5505 Arapahoe Ave, Boulder, CO, 80303
Autos & Motorcycles Loan
5.84%
72 Months
View
▼
APR5.84%
Interest Rate5.75%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans

Rate History
1 change since Sep 18, 2026 · 5.58% → 5.84% ▲ 0.26 pts · high 5.84% / low 5.58%
5.08%5.71%6.34%Sep 18, 2026: 5.58% APROct 9, 2026: 5.84% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.84%▲ from 5.58%
  • Sep 18, 20265.58%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto
5.84%
Up to 75 Months
View
▼
APR5.84%
TermUp to 75 Months
Last UpdatedOct 13, 2026
Details

Minimum loan for 75 month term is $15,000; term and rates on secured loans depend on age of security and mileage

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.84% ▲ 0.35 pts · high 5.84% / low 5.49%
4.99%5.67%6.34%Sep 14, 2026: 5.49% APROct 5, 2026: 5.84% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.84%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
New or Refinanced New Electric Vehicle
5.89%
6 years
View
▼
APR5.89%
Term6 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.89% APR · checked 7 times
5.39%5.89%6.39%Sep 14, 2026: 5.89% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - Used Auto Fixed Rate
5.90%
84 months
View
▼
APR5.90%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.90% APR
5.40%5.90%6.40%Oct 13, 2026: 5.90% APROct 13, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
Used or Refinanced Used Electric Vehicle
5.99%
5 years
View
▼
APR5.99%
Term5 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Auto Loan
5.99%
73-84 Months
View
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Vehicle Loan
5.99%
73-84 months
View
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.99%
61 to 72 months
View
▼
APR5.99%
Term61 to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO, 80204 2118
FlexChoice Auto Loans
5.99%
Up to 72 months
View
▼
APR5.99%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Any amount financed; for 66 months or less with LTV 80% or less and automatic payment discount; Effective 10-06-2026

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.49% APROct 5, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO, 80204 2118
New Auto Loans - Current and recent model year
5.99%
66 months or less
View
▼
APR5.99%
Term66 months or less
Last UpdatedOct 13, 2026
Details

As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount); Rate adjustments for extended terms and LTV apply; New vehicle loans less than $25,000 may have terms of up to 75 months; New vehicle loans over $25,000 may have terms of up to 84 months

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO, 80204 2118
Used Auto Loans
5.99%
Up to 66 months
View
▼
APR5.99%
TermUp to 66 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2016 - 2026; for 66 months or less with LTV 80% or less and automatic payment discount; Effective 10-06-2026

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.49% APROct 5, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.99%
76-84 Months
View
▼
APR5.99%
Term76-84 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - Pre-Owned & Classic Vehicles
5.99%
1-36 Months
View
▼
APR5.99%
Term1-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years less than 2023; APR*

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - Pre-Owned & Classic Vehicles
5.99%
37-48 Months
View
▼
APR5.99%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years less than 2023; APR*

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - Pre-Owned & Classic Vehicles
5.99%
49-60 Months
View
▼
APR5.99%
Term49-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years less than 2023; APR*

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
5.99%
Up to 84 Months
View
▼
APR5.99%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Years: 2017-2019; APR range: 5.99% - 21.00%; Rate may vary based on credit history, term, miles and other qualifications

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
2901 S 27TH AVE, GREELEY, CO, 80631
USED AUTO 2017-2022 0-72 MO
5.99%
0-72 months
View
▼
APR5.99%
Interest Rate5.99%
Term0-72 months
Last UpdatedOct 13, 2026
Details

Base Rate; Model Year: 2017-2022

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
807 Mountain Ave, Berthoud, CO, 80513
Used Cars Loan
6.05%
72 months
View
▼
APR6.05%
Term72 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Eligible model years 2023-2026. 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.

Rate History
No change since Sep 15, 2026 · 6.05% APR · checked 5 times
5.55%6.05%6.55%Sep 15, 2026: 6.05% APRSep 15, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
822 7th St, Greeley, CO, 80631
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
822 7th St, Greeley, CO, 80631
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - Pre-Owned & Classic Vehicles
6.24%
61-75 Months
View
▼
APR6.24%
Term61-75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years less than 2023; APR*

Rate History
No change since Oct 13, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 13, 2026: 6.24% APROct 13, 2026Oct 13, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO, 80209
Auto Loans
6.24%
0-60 Months
View
▼
APR6.24%
Term0-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans; Rates as of 09/01/2026

Rate History
1 change since Sep 14, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74%
5.24%5.99%6.74%Sep 14, 2026: 5.74% APROct 9, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.24%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
5.25%6.00%6.75%Sep 14, 2026: 5.75% APROct 9, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.25%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 B Credit Tier

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
822 7th St, Greeley, CO, 80631
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
822 7th St, Greeley, CO, 80631
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Business Vehicle Loan
6.29%
37-60 months
View
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO, 80209
Auto Loans
6.29%
61-72 Months
View
▼
APR6.29%
Term61-72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans; Rates as of 09/01/2026

Rate History
1 change since Sep 14, 2026 · 5.79% → 6.29% ▲ 0.50 pts · high 6.29% / low 5.79%
5.29%6.04%6.79%Sep 14, 2026: 5.79% APROct 9, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.29%▲ from 5.79%
  • Sep 14, 20265.79%first recorded
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
5505 Arapahoe Ave, Boulder, CO, 80303
Autos & Motorcycles Loan
6.33%
78 Months
View
▼
APR6.33%
Interest Rate6.25%
Term78 Months
Last UpdatedOct 13, 2026
Details

As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans

Rate History
1 change since Sep 18, 2026 · 6.08% → 6.33% ▲ 0.25 pts · high 6.33% / low 6.08%
5.58%6.21%6.83%Sep 18, 2026: 6.08% APROct 9, 2026: 6.33% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20266.33%▲ from 6.08%
  • Sep 18, 20266.08%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
New Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.34% APR · checked 7 times
5.84%6.34%6.84%Sep 15, 2026: 6.34% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
Used Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

2016 - 2026

Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 6 times
5.84%6.34%6.84%Sep 18, 2026: 6.34% APRSep 18, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto (2018 or older)
6.34%
Up to 60 Months
View
▼
APR6.34%
TermUp to 60 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.34% ▲ 0.35 pts · high 6.34% / low 5.99%
5.49%6.17%6.84%Sep 14, 2026: 5.99% APROct 5, 2026: 6.34% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.34%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
3700 E Alameda Ave, Denver, CO, 80209
Auto Loans
6.34%
73-84 Months
View
▼
APR6.34%
Term73-84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans; Rates as of 09/01/2026

Rate History
1 change since Sep 14, 2026 · 5.84% → 6.34% ▲ 0.50 pts · high 6.34% / low 5.84%
5.34%6.09%6.84%Sep 14, 2026: 5.84% APROct 9, 2026: 6.34% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.34%▲ from 5.84%
  • Sep 14, 20265.84%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
New Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 15, 2026: 6.39% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
Used Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

2018 - 2026

Rate History
No change since Sep 18, 2026 · 6.39% APR · checked 6 times
5.89%6.39%6.89%Sep 18, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
Used or Refinanced Used Electric Vehicle
6.39%
6 years
View
▼
APR6.39%
Term6 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 14, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
New Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.44% APR · checked 7 times
5.94%6.44%6.94%Sep 15, 2026: 6.44% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
Used Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

2022 - 2026

Rate History
No change since Sep 18, 2026 · 6.44% APR · checked 6 times
5.94%6.44%6.94%Sep 18, 2026: 6.44% APRSep 18, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24%
5.74%6.37%6.99%Sep 20, 2026: 6.24% APROct 8, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20266.49%▲ from 6.24%
  • Sep 20, 20266.24%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 6.14% → 6.49% ▲ 0.35 pts · high 6.49% / low 6.14%
5.64%6.31%6.99%Sep 14, 2026: 6.14% APROct 5, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.49%▲ from 6.14%
  • Sep 14, 20266.14%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - Pre-Owned & Classic Vehicles
6.49%
76-84 Months
View
▼
APR6.49%
Term76-84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years less than 2023; APR*

Rate History
No change since Oct 13, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 13, 2026: 6.49% APROct 13, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
6.49%
Up to 72 Months
View
▼
APR6.49%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details

Years: 2016 and Older; APR range: 6.49% - 21.00%; Rate may vary based on credit history, term, miles and other qualifications

Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 6 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
New Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.54% APR · checked 7 times
6.04%6.54%7.04%Sep 15, 2026: 6.54% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
Used Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

2023 - 2026

Rate History
No change since Sep 18, 2026 · 6.54% APR · checked 6 times
6.04%6.54%7.04%Sep 18, 2026: 6.54% APRSep 18, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
5505 Arapahoe Ave, Boulder, CO, 80303
Autos & Motorcycles Loan
6.58%
84 Months
View
▼
APR6.58%
Interest Rate6.50%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans

Rate History
1 change since Sep 18, 2026 · 6.32% → 6.58% ▲ 0.26 pts · high 6.58% / low 6.32%
5.82%6.45%7.08%Sep 18, 2026: 6.32% APROct 9, 2026: 6.58% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20266.58%▲ from 6.32%
  • Sep 18, 20266.32%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO, 80003
Auto Loan Purchase
6.74%
76-84 Months
View
▼
APR6.74%
Term76-84 Months
Last UpdatedOct 13, 2026
Details

Best Rate APR; Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 6.59% → 6.74% ▲ 0.15 pts · high 6.74% / low 6.59%
6.09%6.67%7.24%Sep 14, 2026: 6.59% APROct 9, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.74%▲ from 6.59%
  • Sep 14, 20266.59%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO, 80003
Business Vehicle Loans - "Regular" Auto/Trucks
6.74%
76-84 Months
View
▼
APR6.74%
Term76-84 Months
Last UpdatedOct 13, 2026
Details

Effective Date: October 1, 2026; Best Rate APR

Rate History
No change since Oct 13, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 13, 2026: 6.74% APROct 13, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 B Credit Tier

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 7 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO, 80204 2118
Business Vehicle Loan
6.75%
Up to 72 months
View
▼
APR6.75%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Fixed Rate; Minimum 2 years in business; Minimum loan amount $2,000; Effective 10-06-2026

Rate History
1 change since Sep 14, 2026 · 8.00% → 6.75% ▼ 1.25 pts · high 8.00% / low 6.75%
5.50%7.38%9.25%Sep 14, 2026: 8.00% APROct 13, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.75%▼ from 8.00%
  • Sep 14, 20268.00%first recorded
Credit Union Of Denver
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO, 80226
Vehicle Loan - New/Used/Autos/Trucks/Classics
6.78%
73 to 84 months
View
▼
APR6.78%
Term73 to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates as low as (APR)

Rate History
No change since Oct 13, 2026 · 6.78% APR
6.28%6.78%7.28%Oct 13, 2026: 6.78% APROct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto
6.84%
Up to 84 Months
View
▼
APR6.84%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Minimum loan for 84 month term is $25,000; term and rates on secured loans depend on age of security and mileage

Rate History
1 change since Sep 14, 2026 · 6.49% → 6.84% ▲ 0.35 pts · high 6.84% / low 6.49%
5.99%6.67%7.34%Sep 14, 2026: 6.49% APROct 5, 2026: 6.84% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.84%▲ from 6.49%
  • Sep 14, 20266.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Auto Loan
6.98%
73-84 Months
View
▼
APR6.98%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Vehicle Loan
6.98%
73-84 months
View
▼
APR6.98%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
6.99%
73 to 84 months
View
▼
APR6.99%
Term73 to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 9 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
2901 S 27TH AVE, GREELEY, CO, 80631
USED AUTO classic - 2016
6.99%
66 months
View
▼
APR6.99%
Interest Rate6.99%
Term66 months
Last UpdatedOct 13, 2026
Details

Base Rate; Model Year: 2016

Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO, 80017
Off Highway Vehicles Loan
7.30%
60 months
View
▼
APR7.30%
Term60 months
Last UpdatedOct 13, 2026
Details

Fixed APR; lowest rates for Tier 1 credit, including automatic payment discount from an NGFCU checking or savings account; subject to credit and collateral approval

Rate History
No change since Sep 29, 2026 · 7.30% APR · checked 4 times
6.80%7.30%7.80%Sep 29, 2026: 7.30% APRSep 29, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Auto Loan
7.39%
85-96 Months
View
▼
APR7.39%
Term85-96 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Vehicle Loan
7.39%
85-96 months
View
▼
APR7.39%
Term85-96 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Oct 1, 2026 · 7.39% APR · checked 2 times
6.89%7.39%7.89%Oct 1, 2026: 7.39% APROct 1, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Business Vehicle Loan
7.39%
61-72 months
View
▼
APR7.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Other Eligible Vehicles Loan
7.45%
up to 36 months
View
▼
APR7.45%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.45% APR · checked 4 times
6.95%7.45%7.95%Sep 30, 2026: 7.45% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Other Eligible Vehicles Loan
7.45%
37-60 months
View
▼
APR7.45%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.45% APR · checked 4 times
6.95%7.45%7.95%Sep 30, 2026: 7.45% APRSep 30, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO, 80863 3025
Vehicle Loan
7.49%
96 Months
View
▼
APR7.49%
Term96 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 7.49% - 16.99%.

Rate History
No change since Oct 10, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 10, 2026: 7.49% APROct 10, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO, 80863 3025
Vehicle Loan
7.99%
96 Months
View
▼
APR7.99%
Term96 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 7.99% - 17.49%.

Rate History
No change since Oct 10, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 10, 2026: 7.99% APROct 10, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO, 80863 3025
Vehicle Loan
7.99%
120 Months
View
▼
APR7.99%
Term120 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 7.99% - 18.24%.

Rate History
No change since Oct 10, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 10, 2026: 7.99% APROct 10, 2026Oct 13, 2026
On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.06%
816 Washington Ave, Golden, CO, 80401
PowerSports Vehicles & Motorcycles (ATVs, Jet Skis, etc.) Loan
8.00%
48 months
View
▼
APR8.00%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 21.00%; APR based on qualified credit, 80% LTV, 48-month term and auto pay enrollment; Effective: October 1, 2026

Rate History
No change since Oct 13, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 13, 2026: 8.00% APROct 13, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★ Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO, 80401 6041
Specialty Vehicles Loan
8.24%
60 months
View
▼
APR8.24%
Interest Rate8.24%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 18, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99%
7.49%8.12%8.74%Sep 18, 2026: 7.99% APROct 5, 2026: 8.24% APRSep 18, 2026Oct 13, 2026
  • Oct 5, 20268.24%▲ from 7.99%
  • Sep 18, 20267.99%first recorded
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO, 80863 3025
Vehicle Loan
8.49%
120 Months
View
▼
APR8.49%
Term120 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 8.49% - 18.74%.

Rate History
No change since Oct 10, 2026 · 8.49% APR
7.99%8.49%8.99%Oct 10, 2026: 8.49% APROct 10, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO, 80863 3025
Vehicle Loan
8.49%
180 Months
View
▼
APR8.49%
Term180 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 8.49% - 18.99%.

Rate History
No change since Oct 10, 2026 · 8.49% APR
7.99%8.49%8.99%Oct 10, 2026: 8.49% APROct 10, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
720 W Midland Ave, Woodland Park, CO, 80863 3025
Vehicle Loan
8.99%
180 Months
View
▼
APR8.99%
Term180 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 8.99% - 19.49%.

Rate History
No change since Oct 10, 2026 · 8.99% APR
8.49%8.99%9.49%Oct 10, 2026: 8.99% APROct 10, 2026Oct 13, 2026
Arapahoe Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
Vehicle Loan
9.49%
12-144 months
View
▼
APR9.49%
Term12-144 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate (APR) As Low As column

Rate History
No change since Oct 13, 2026 · 9.49% APR
8.99%9.49%9.99%Oct 13, 2026: 9.49% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Other Eligible Vehicles Loan
9.80%
61-72 months
View
▼
APR9.80%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Other Eligible Vehicles Loan
9.80%
73-84 months
View
▼
APR9.80%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Other Eligible Vehicles Loan
9.80%
85-180 months
View
▼
APR9.80%
Term85-180 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
Arapahoe Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
Vehicle Loan
9.99%
12-60 months
View
▼
APR9.99%
Term12-60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate (APR) As Low As column

Rate History
No change since Oct 13, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 13, 2026: 9.99% APROct 13, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
11.25%
60 Months
View
▼
APR11.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 11.25% ▼ 0.50 pts · high 11.75% / low 11.25%
10.75%11.50%12.25%Sep 14, 2026: 11.75% APROct 9, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.25%▼ from 11.75%
  • Sep 14, 202611.75%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO, 80003
First Time Auto Buyer Loan
11.50%
36 Months
View
▼
APR11.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 11.35% → 11.50% ▲ 0.15 pts · high 11.50% / low 11.35%
10.85%11.43%12.00%Sep 14, 2026: 11.35% APROct 9, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.50%▲ from 11.35%
  • Sep 14, 202611.35%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
11.75%
60 Months
View
▼
APR11.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
11.75%
72 Months
View
▼
APR11.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO, 80003
First Time Auto Buyer Loan
12.00%
48 Months
View
▼
APR12.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 11.85% → 12.00% ▲ 0.15 pts · high 12.00% / low 11.85%
11.35%11.93%12.50%Sep 14, 2026: 11.85% APROct 9, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.00%▲ from 11.85%
  • Sep 14, 202611.85%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
12.25%
72 Months
View
▼
APR12.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 12.25% ▲ 0.50 pts · high 12.25% / low 11.75%
11.25%12.00%12.75%Sep 14, 2026: 11.75% APROct 9, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.25%▲ from 11.75%
  • Sep 14, 202611.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
12.25%
60 Months
View
▼
APR12.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 C Credit Tier

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 7 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO, 80003
First Time Auto Buyer Loan
12.50%
60 Months
View
▼
APR12.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 12.35% → 12.50% ▲ 0.15 pts · high 12.50% / low 12.35%
11.85%12.43%13.00%Sep 14, 2026: 12.35% APROct 9, 2026: 12.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.50%▲ from 12.35%
  • Sep 14, 202612.35%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
12.75%
72 Months
View
▼
APR12.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 C Credit Tier

Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 7 times
12.25%12.75%13.25%Sep 14, 2026: 12.75% APRSep 14, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
6221 Sheridan Blvd, Arvada, CO, 80003
First Time Auto Buyer Loan
13.50%
75 Months
View
▼
APR13.50%
Term75 Months
Last UpdatedOct 13, 2026
Details

Effective Date: October 1, 2026

Rate History
1 change since Sep 14, 2026 · 13.35% → 13.50% ▲ 0.15 pts · high 13.50% / low 13.35%
12.85%13.43%14.00%Sep 14, 2026: 13.35% APROct 9, 2026: 13.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202613.50%▲ from 13.35%
  • Sep 14, 202613.35%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
16.00%
60 Months
View
▼
APR16.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 16.00% ▼ 0.50 pts · high 16.50% / low 16.00%
15.50%16.25%17.00%Sep 14, 2026: 16.50% APROct 9, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202616.00%▼ from 16.50%
  • Sep 14, 202616.50%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
16.50%
60 Months
View
▼
APR16.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
16.50%
72 Months
View
▼
APR16.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
17.00%
72 Months
View
▼
APR17.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 17.00% ▲ 0.50 pts · high 17.00% / low 16.50%
16.00%16.75%17.50%Sep 14, 2026: 16.50% APROct 9, 2026: 17.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202617.00%▲ from 16.50%
  • Sep 14, 202616.50%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
17.00%
60 Months
View
▼
APR17.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 D Credit Tier

Rate History
No change since Sep 14, 2026 · 17.00% APR · checked 7 times
16.50%17.00%17.50%Sep 14, 2026: 17.00% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
17.50%
72 Months
View
▼
APR17.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 D Credit Tier

Rate History
No change since Sep 14, 2026 · 17.50% APR · checked 7 times
17.00%17.50%18.00%Sep 14, 2026: 17.50% APRSep 14, 2026Oct 13, 2026

Colorado New Auto Auto Loan Rates

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: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
3.74%
Up to 24 months
View
▼
APR3.74%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 20, 2026: 3.49% APROct 8, 2026: 3.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.74%▲ from 3.49%
  • Sep 20, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
4.18%
Up to 36 months
View
▼
APR4.18%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.18% APR · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APRSep 14, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
3.49%4.12%4.74%Sep 20, 2026: 3.99% APROct 8, 2026: 4.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.24%▲ from 3.99%
  • Sep 20, 20263.99%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO, 80017
New Auto - FIXED
4.24%
3 Years
View
▼
APR4.24%
Term3 Years
Last UpdatedOct 13, 2026
Details

Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 13, 2026: 4.24% APROct 13, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
4.25%
60 Months
View
▼
APR4.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
1 change since Sep 14, 2026 · 4.75% → 4.25% ▼ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 14, 2026: 4.75% APROct 9, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.49%
48 months
View
▼
APR4.49%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 20, 2026: 4.24% APROct 8, 2026: 4.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.49%▲ from 4.24%
  • Sep 20, 20264.24%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO, 80017
New Auto - FIXED
4.59%
4 Years
View
▼
APR4.59%
Term4 Years
Last UpdatedOct 13, 2026
Details

Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.59% APR
4.09%4.59%5.09%Oct 13, 2026: 4.59% APROct 13, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO, 80017
New Auto - FIXED
4.74%
5 Years
View
▼
APR4.74%
Term5 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO, 80017
New Auto - FIXED
4.84%
6 Years
View
▼
APR4.84%
Term6 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.84% APR
4.34%4.84%5.34%Oct 13, 2026: 4.84% APROct 13, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
4.89%
37-48 months
View
▼
APR4.89%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 6 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
New or Refinanced New Electric Vehicle
4.99%
4 years
View
▼
APR4.99%
Term4 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO, 81501 3408
New Auto Loans
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; 72 month term rates begin at 6.59%; Financing available up to 100% of value

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO, 80122
New Auto Loan
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 10 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedOct 13, 2026
Details

Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 4.64% → 4.99% ▲ 0.35 pts · high 4.99% / low 4.64%
4.14%4.81%5.49%Sep 14, 2026: 4.64% APROct 5, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.99%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
Arapahoe Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
Vehicle Loans - New Car/ Truck/ Van
4.99%
12-96 months
View
▼
APR4.99%
Term12-96 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate (APR) As Low As column

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
2901 S 27TH AVE, GREELEY, CO, 80631
NEW AUTO 2023-2025 0-72 mo
4.99%
0-72 months
View
▼
APR4.99%
Interest Rate4.99%
Term0-72 months
Last UpdatedOct 13, 2026
Details

Base Rate; Model Year: 2023-2025

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
6980 S Holly Cir, Centennial, CO, 80112 1018
New & Used Auto Loan
5.14%
Up to 84 months
View
▼
APR5.14%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Any age of vehicle; Purchased from a dealer or private party; Up to 130% of NADA Retail Value; Apply Online

Rate History
1 change since Sep 14, 2026 · 4.64% → 5.14% ▲ 0.50 pts · high 5.14% / low 4.64%
4.14%4.89%5.64%Sep 14, 2026: 4.64% APROct 9, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.14%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
5.15%
49-60 months
View
▼
APR5.15%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.15% APR · checked 6 times
4.65%5.15%5.65%Sep 14, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
807 Mountain Ave, Berthoud, CO, 80513
New Cars Loan
5.23%
72 months
View
▼
APR5.23%
Term72 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 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.

Rate History
No change since Sep 15, 2026 · 5.23% APR · checked 5 times
4.73%5.23%5.73%Sep 15, 2026: 5.23% APRSep 15, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 20, 2026: 4.99% APROct 8, 2026: 5.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.24%▲ from 4.99%
  • Sep 20, 20264.99%first recorded
Credit Union of The Rockies
Institution Rating:
A5.0 ★ Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO, 80401 6041
New & Used Vehicles, Motorcycles Loan
5.24%
60 months
View
▼
APR5.24%
Interest Rate5.24%
Term60 months
Last UpdatedOct 13, 2026
Details

Longer terms available

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APROct 5, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
  • Oct 5, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - New Auto Fixed Rate
5.25%
Up to 36 months
View
▼
APR5.25%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 13, 2026: 5.25% APROct 13, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
5.28%
61-72 months
View
▼
APR5.28%
Term61-72 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.28% APR · checked 6 times
4.78%5.28%5.78%Sep 14, 2026: 5.28% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - New Auto Fixed Rate
5.35%
48 months
View
▼
APR5.35%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.35% APR
4.85%5.35%5.85%Oct 13, 2026: 5.35% APROct 13, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - New Auto Fixed Rate
5.45%
60 months
View
▼
APR5.45%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.45% APR
4.95%5.45%5.95%Oct 13, 2026: 5.45% APROct 13, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
100 Fillmore St, Denver, CO, 80206
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
New or Refinanced New Electric Vehicle
5.49%
5 years
View
▼
APR5.49%
Term5 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
516 28 Rd, Grand Junction, CO, 81501
Auto Loan (New & Used)
5.49%
Up to 7 years
View
▼
APR5.49%
TermUp to 7 years
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 17.99%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.49%
up to 60 months
View
▼
APR5.49%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
17455 E Exposition Dr, Aurora, CO, 80017
New Auto - FIXED
5.49%
7 Years
View
▼
APR5.49%
Term7 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedOct 13, 2026
Details

Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 5.14% → 5.49% ▲ 0.35 pts · high 5.49% / low 5.14%
4.64%5.31%5.99%Sep 14, 2026: 5.14% APROct 5, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.49%▲ from 5.14%
  • Sep 14, 20265.14%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.49%
1-36 Months
View
▼
APR5.49%
Term1-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
1 change since Sep 22, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 22, 2026: 4.99% APROct 13, 2026: 5.49% APRSep 22, 2026Oct 13, 2026
  • Oct 13, 20265.49%▲ from 4.99%
  • Sep 22, 20264.99%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.49%
37-48 Months
View
▼
APR5.49%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.49%
49-60 Months
View
▼
APR5.49%
Term49-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO, 80226
New Auto Loan
5.49%
Up to 84 Months
View
▼
APR5.49%
Interest Rate5.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Lowest Rate column; APR* = Annual Percentage Rate for best rates; rate may be higher depending on credit history and underwriting

Rate History
1 change since Sep 14, 2026 · 5.26% → 5.49% ▲ 0.23 pts · high 5.49% / low 5.26%
4.76%5.38%5.99%Sep 14, 2026: 5.26% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 5.26%
  • Sep 14, 20265.26%first recorded
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - New Auto Fixed Rate
5.55%
72 months
View
▼
APR5.55%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.55% APR
5.05%5.55%6.05%Oct 13, 2026: 5.55% APROct 13, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - New Auto Fixed Rate
5.65%
84 months
View
▼
APR5.65%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.65% APR
5.15%5.65%6.15%Oct 13, 2026: 5.65% APROct 13, 2026Oct 13, 2026
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
807 Mountain Ave, Berthoud, CO, 80513
New Cars Loan
5.70%
84 months
View
▼
APR5.70%
Term84 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 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.

Rate History
No change since Sep 15, 2026 · 5.70% APR · checked 5 times
5.20%5.70%6.20%Sep 15, 2026: 5.70% APRSep 15, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 20, 2026: 5.49% APROct 8, 2026: 5.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.74%▲ from 5.49%
  • Sep 20, 20265.49%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.74%
61-75 Months
View
▼
APR5.74%
Term61-75 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
1 change since Sep 22, 2026 · 5.99% → 5.74% ▼ 0.25 pts · high 5.99% / low 5.74%
5.24%5.87%6.49%Sep 22, 2026: 5.99% APROct 13, 2026: 5.74% APRSep 22, 2026Oct 13, 2026
  • Oct 13, 20265.74%▼ from 5.99%
  • Sep 22, 20265.99%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New Vehicle Loan
5.75%
73-84 months
View
▼
APR5.75%
Term73-84 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Business Vehicle Loan
5.79%
37-60 months
View
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Business Vehicle Loan
5.79%
61-72 months
View
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
New or Refinanced New Electric Vehicle
5.89%
6 years
View
▼
APR5.89%
Term6 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.89% APR · checked 7 times
5.39%5.89%6.39%Sep 14, 2026: 5.89% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Auto Loan
5.99%
73-84 Months
View
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Vehicle Loan
5.99%
73-84 months
View
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.99%
61 to 72 months
View
▼
APR5.99%
Term61 to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO, 80204 2118
New Auto Loans - Current and recent model year
5.99%
66 months or less
View
▼
APR5.99%
Term66 months or less
Last UpdatedOct 13, 2026
Details

As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount); Rate adjustments for extended terms and LTV apply; New vehicle loans less than $25,000 may have terms of up to 75 months; New vehicle loans over $25,000 may have terms of up to 84 months

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.99%
76-84 Months
View
▼
APR5.99%
Term76-84 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
822 7th St, Greeley, CO, 80631
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
822 7th St, Greeley, CO, 80631
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
5.25%6.00%6.75%Sep 14, 2026: 5.75% APROct 9, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.25%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
New Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.34% APR · checked 7 times
5.84%6.34%6.84%Sep 15, 2026: 6.34% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
New Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 15, 2026: 6.39% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
New Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.44% APR · checked 7 times
5.94%6.44%6.94%Sep 15, 2026: 6.44% APRSep 15, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24%
5.74%6.37%6.99%Sep 20, 2026: 6.24% APROct 8, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20266.49%▲ from 6.24%
  • Sep 20, 20266.24%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
New Auto
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 6.14% → 6.49% ▲ 0.35 pts · high 6.49% / low 6.14%
5.64%6.31%6.99%Sep 14, 2026: 6.14% APROct 5, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.49%▲ from 6.14%
  • Sep 14, 20266.14%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
New Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.54% APR · checked 7 times
6.04%6.54%7.04%Sep 15, 2026: 6.54% APRSep 15, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO, 80226
Vehicle Loan - New/Used/Autos/Trucks/Classics
6.78%
73 to 84 months
View
▼
APR6.78%
Term73 to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates as low as (APR)

Rate History
No change since Oct 13, 2026 · 6.78% APR
6.28%6.78%7.28%Oct 13, 2026: 6.78% APROct 13, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
6.99%
73 to 84 months
View
▼
APR6.99%
Term73 to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 9 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Auto Loan
7.39%
85-96 Months
View
▼
APR7.39%
Term85-96 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
New Vehicle Loan
7.39%
85-96 months
View
▼
APR7.39%
Term85-96 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Oct 1, 2026 · 7.39% APR · checked 2 times
6.89%7.39%7.89%Oct 1, 2026: 7.39% APROct 1, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
11.25%
60 Months
View
▼
APR11.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 11.25% ▼ 0.50 pts · high 11.75% / low 11.25%
10.75%11.50%12.25%Sep 14, 2026: 11.75% APROct 9, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.25%▼ from 11.75%
  • Sep 14, 202611.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
11.75%
60 Months
View
▼
APR11.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
11.75%
72 Months
View
▼
APR11.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
12.25%
72 Months
View
▼
APR12.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 12.25% ▲ 0.50 pts · high 12.25% / low 11.75%
11.25%12.00%12.75%Sep 14, 2026: 11.75% APROct 9, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.25%▲ from 11.75%
  • Sep 14, 202611.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
16.00%
60 Months
View
▼
APR16.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 16.00% ▼ 0.50 pts · high 16.50% / low 16.00%
15.50%16.25%17.00%Sep 14, 2026: 16.50% APROct 9, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202616.00%▼ from 16.50%
  • Sep 14, 202616.50%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
16.50%
60 Months
View
▼
APR16.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
16.50%
72 Months
View
▼
APR16.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
17.00%
72 Months
View
▼
APR17.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 17.00% ▲ 0.50 pts · high 17.00% / low 16.50%
16.00%16.75%17.50%Sep 14, 2026: 16.50% APROct 9, 2026: 17.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202617.00%▲ from 16.50%
  • Sep 14, 202616.50%first recorded

Colorado Used Auto Auto Loan Rates

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: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
3.74%
Up to 24 months
View
▼
APR3.74%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 20, 2026: 3.49% APROct 8, 2026: 3.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.74%▲ from 3.49%
  • Sep 20, 20263.49%first recorded
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
4.18%
Up to 36 months
View
▼
APR4.18%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.18% APR · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APRSep 14, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
3.49%4.12%4.74%Sep 20, 2026: 3.99% APROct 8, 2026: 4.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.24%▲ from 3.99%
  • Sep 20, 20263.99%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
4.25%
60 Months
View
▼
APR4.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
1 change since Sep 14, 2026 · 4.75% → 4.25% ▼ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 14, 2026: 4.75% APROct 9, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.49%
48 months
View
▼
APR4.49%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 20, 2026: 4.24% APROct 8, 2026: 4.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.49%▲ from 4.24%
  • Sep 20, 20264.24%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
4.89%
37-48 months
View
▼
APR4.89%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 6 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
760 Rood Ave, Grand Junction, CO, 81501 3408
Used Auto Loans
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
4902 E Dry Creek Rd, Centennial, CO, 80122
Used Auto Loan
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 10 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Arapahoe Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
3999 E Arapahoe Rd, Centennial, CO, 80122 2076
Vehicle Loans - Used Car/ Truck/ Van
4.99%
12-96 months
View
▼
APR4.99%
Term12-96 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate (APR) As Low As column

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
6980 S Holly Cir, Centennial, CO, 80112 1018
New & Used Auto Loan
5.14%
Up to 84 months
View
▼
APR5.14%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Any age of vehicle; Purchased from a dealer or private party; Up to 130% of NADA Retail Value; Apply Online

Rate History
1 change since Sep 14, 2026 · 4.64% → 5.14% ▲ 0.50 pts · high 5.14% / low 4.64%
4.14%4.89%5.64%Sep 14, 2026: 4.64% APROct 9, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.14%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
5.15%
49-60 months
View
▼
APR5.15%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.15% APR · checked 6 times
4.65%5.15%5.65%Sep 14, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 20, 2026: 4.99% APROct 8, 2026: 5.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.24%▲ from 4.99%
  • Sep 20, 20264.99%first recorded
Credit Union of The Rockies
Institution Rating:
A5.0 ★ Texas Ratio: 10.44%
1010 Johnson Rd Ste 120, Golden, CO, 80401 6041
New & Used Vehicles, Motorcycles Loan
5.24%
60 months
View
▼
APR5.24%
Interest Rate5.24%
Term60 months
Last UpdatedOct 13, 2026
Details

Longer terms available

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APROct 5, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
  • Oct 5, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 A Credit Tier

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
22 Town Plz, Durango, CO, 81301 5104
New & Used Vehicle Loan
5.28%
61-72 months
View
▼
APR5.28%
Term61-72 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.28% APR · checked 6 times
4.78%5.28%5.78%Sep 14, 2026: 5.28% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto
5.34%
Up to 63 Months
View
▼
APR5.34%
TermUp to 63 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.34% ▲ 0.35 pts · high 5.34% / low 4.99%
4.49%5.17%5.84%Sep 14, 2026: 4.99% APROct 5, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.34%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
Used or Refinanced Used Electric Vehicle
5.49%
4 years
View
▼
APR5.49%
Term4 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
516 28 Rd, Grand Junction, CO, 81501
Auto Loan (New & Used)
5.49%
Up to 7 years
View
▼
APR5.49%
TermUp to 7 years
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 17.99%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.49%
up to 60 months
View
▼
APR5.49%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.49%
1-36 Months
View
▼
APR5.49%
Term1-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
1 change since Sep 22, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 22, 2026: 4.99% APROct 13, 2026: 5.49% APRSep 22, 2026Oct 13, 2026
  • Oct 13, 20265.49%▲ from 4.99%
  • Sep 22, 20264.99%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.49%
37-48 Months
View
▼
APR5.49%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.49%
49-60 Months
View
▼
APR5.49%
Term49-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
7990 W Alameda Ave, Lakewood, CO, 80226
Used Auto Loan
5.49%
Up to 84 Months
View
▼
APR5.49%
Interest Rate5.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Lowest Rate column; APR* = Annual Percentage Rate for best rates; rate may be higher depending on credit history and underwriting

Rate History
1 change since Sep 14, 2026 · 5.26% → 5.49% ▲ 0.23 pts · high 5.49% / low 5.26%
4.76%5.38%5.99%Sep 14, 2026: 5.26% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 5.26%
  • Sep 14, 20265.26%first recorded
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - Used Auto Fixed Rate
5.50%
Up to 36 months
View
▼
APR5.50%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - Used Auto Fixed Rate
5.60%
48 months
View
▼
APR5.60%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.60% APR
5.10%5.60%6.10%Oct 13, 2026: 5.60% APROct 13, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
100 Fillmore St, Denver, CO, 80206
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - Used Auto Fixed Rate
5.70%
60 months
View
▼
APR5.70%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 13, 2026: 5.70% APROct 13, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 20, 2026: 5.49% APROct 8, 2026: 5.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.74%▲ from 5.49%
  • Sep 20, 20265.49%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.74%
61-75 Months
View
▼
APR5.74%
Term61-75 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
1 change since Sep 22, 2026 · 5.99% → 5.74% ▼ 0.25 pts · high 5.99% / low 5.74%
5.24%5.87%6.49%Sep 22, 2026: 5.99% APROct 13, 2026: 5.74% APRSep 22, 2026Oct 13, 2026
  • Oct 13, 20265.74%▼ from 5.99%
  • Sep 22, 20265.99%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 A Credit Tier

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - Used Auto Fixed Rate
5.80%
72 months
View
▼
APR5.80%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 13, 2026: 5.80% APROct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto
5.84%
Up to 75 Months
View
▼
APR5.84%
TermUp to 75 Months
Last UpdatedOct 13, 2026
Details

Minimum loan for 75 month term is $15,000; term and rates on secured loans depend on age of security and mileage

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.84% ▲ 0.35 pts · high 5.84% / low 5.49%
4.99%5.67%6.34%Sep 14, 2026: 5.49% APROct 5, 2026: 5.84% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.84%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
9227 E Lincoln Ave Ste 200, Lone Tree, CO, 80124 5504
Auto Loans - Used Auto Fixed Rate
5.90%
84 months
View
▼
APR5.90%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV

Rate History
No change since Oct 13, 2026 · 5.90% APR
5.40%5.90%6.40%Oct 13, 2026: 5.90% APROct 13, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
Used or Refinanced Used Electric Vehicle
5.99%
5 years
View
▼
APR5.99%
Term5 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.99%
61 to 72 months
View
▼
APR5.99%
Term61 to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
1275 Tremont Pl, Denver, CO, 80204 2118
Used Auto Loans
5.99%
Up to 66 months
View
▼
APR5.99%
TermUp to 66 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2016 - 2026; for 66 months or less with LTV 80% or less and automatic payment discount; Effective 10-06-2026

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.49% APROct 5, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - New & Pre-owned Vehicles (Model Years 2023 - 2027)
5.99%
76-84 Months
View
▼
APR5.99%
Term76-84 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - Pre-Owned & Classic Vehicles
5.99%
1-36 Months
View
▼
APR5.99%
Term1-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years less than 2023; APR*

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - Pre-Owned & Classic Vehicles
5.99%
37-48 Months
View
▼
APR5.99%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years less than 2023; APR*

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - Pre-Owned & Classic Vehicles
5.99%
49-60 Months
View
▼
APR5.99%
Term49-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years less than 2023; APR*

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
2901 S 27TH AVE, GREELEY, CO, 80631
USED AUTO 2017-2022 0-72 MO
5.99%
0-72 months
View
▼
APR5.99%
Interest Rate5.99%
Term0-72 months
Last UpdatedOct 13, 2026
Details

Base Rate; Model Year: 2017-2022

Rate History
No change since Oct 13, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 13, 2026: 5.99% APROct 13, 2026Oct 13, 2026
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
807 Mountain Ave, Berthoud, CO, 80513
Used Cars Loan
6.05%
72 months
View
▼
APR6.05%
Term72 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Eligible model years 2023-2026. 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.

Rate History
No change since Sep 15, 2026 · 6.05% APR · checked 5 times
5.55%6.05%6.55%Sep 15, 2026: 6.05% APRSep 15, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - Pre-Owned & Classic Vehicles
6.24%
61-75 Months
View
▼
APR6.24%
Term61-75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years less than 2023; APR*

Rate History
No change since Oct 13, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 13, 2026: 6.24% APROct 13, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
5.25%6.00%6.75%Sep 14, 2026: 5.75% APROct 9, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.25%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 B Credit Tier

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
822 7th St, Greeley, CO, 80631
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
822 7th St, Greeley, CO, 80631
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Business Vehicle Loan
6.29%
37-60 months
View
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
Used Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

2016 - 2026

Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 6 times
5.84%6.34%6.84%Sep 18, 2026: 6.34% APRSep 18, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto (2018 or older)
6.34%
Up to 60 Months
View
▼
APR6.34%
TermUp to 60 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.34% ▲ 0.35 pts · high 6.34% / low 5.99%
5.49%6.17%6.84%Sep 14, 2026: 5.99% APROct 5, 2026: 6.34% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.34%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
Used Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

2018 - 2026

Rate History
No change since Sep 18, 2026 · 6.39% APR · checked 6 times
5.89%6.39%6.89%Sep 18, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
116 Inverness Dr E, Englewood, CO, 80112
Used or Refinanced Used Electric Vehicle
6.39%
6 years
View
▼
APR6.39%
Term6 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 14, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
Used Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

2022 - 2026

Rate History
No change since Sep 18, 2026 · 6.44% APR · checked 6 times
5.94%6.44%6.94%Sep 18, 2026: 6.44% APRSep 18, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24%
5.74%6.37%6.99%Sep 20, 2026: 6.24% APROct 8, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20266.49%▲ from 6.24%
  • Sep 20, 20266.24%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
2555 47th Ave, Greeley, CO, 80634 3722
Auto Loans - Pre-Owned & Classic Vehicles
6.49%
76-84 Months
View
▼
APR6.49%
Term76-84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years less than 2023; APR*

Rate History
No change since Oct 13, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 13, 2026: 6.49% APROct 13, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1600 Broadway, Denver, CO, 80202
Used Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

2023 - 2026

Rate History
No change since Sep 18, 2026 · 6.54% APR · checked 6 times
6.04%6.54%7.04%Sep 18, 2026: 6.54% APRSep 18, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 B Credit Tier

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 7 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
9305 W ALAMEDA AVE, LAKEWOOD, CO, 80226
Vehicle Loan - New/Used/Autos/Trucks/Classics
6.78%
73 to 84 months
View
▼
APR6.78%
Term73 to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates as low as (APR)

Rate History
No change since Oct 13, 2026 · 6.78% APR
6.28%6.78%7.28%Oct 13, 2026: 6.78% APROct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
1520 E Mulberry St, Fort Collins, CO, 80524 3501
Used Auto
6.84%
Up to 84 Months
View
▼
APR6.84%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Minimum loan for 84 month term is $25,000; term and rates on secured loans depend on age of security and mileage

Rate History
1 change since Sep 14, 2026 · 6.49% → 6.84% ▲ 0.35 pts · high 6.84% / low 6.49%
5.99%6.67%7.34%Sep 14, 2026: 6.49% APROct 5, 2026: 6.84% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.84%▲ from 6.49%
  • Sep 14, 20266.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Auto Loan
6.98%
73-84 Months
View
▼
APR6.98%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Vehicle Loan
6.98%
73-84 months
View
▼
APR6.98%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
6.99%
73 to 84 months
View
▼
APR6.99%
Term73 to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 9 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
2901 S 27TH AVE, GREELEY, CO, 80631
USED AUTO classic - 2016
6.99%
66 months
View
▼
APR6.99%
Interest Rate6.99%
Term66 months
Last UpdatedOct 13, 2026
Details

Base Rate; Model Year: 2016

Rate History
No change since Oct 13, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 13, 2026: 6.99% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1125 S Tower Rd, Aurora, CO, 80017
Used Business Vehicle Loan
7.39%
61-72 months
View
▼
APR7.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
11.25%
60 Months
View
▼
APR11.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 11.25% ▼ 0.50 pts · high 11.75% / low 11.25%
10.75%11.50%12.25%Sep 14, 2026: 11.75% APROct 9, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.25%▼ from 11.75%
  • Sep 14, 202611.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
11.75%
60 Months
View
▼
APR11.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
11.75%
72 Months
View
▼
APR11.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
12.25%
72 Months
View
▼
APR12.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 12.25% ▲ 0.50 pts · high 12.25% / low 11.75%
11.25%12.00%12.75%Sep 14, 2026: 11.75% APROct 9, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.25%▲ from 11.75%
  • Sep 14, 202611.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
12.25%
60 Months
View
▼
APR12.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 C Credit Tier

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 7 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
12.75%
72 Months
View
▼
APR12.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 C Credit Tier

Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 7 times
12.25%12.75%13.25%Sep 14, 2026: 12.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
16.00%
60 Months
View
▼
APR16.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 16.00% ▼ 0.50 pts · high 16.50% / low 16.00%
15.50%16.25%17.00%Sep 14, 2026: 16.50% APROct 9, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202616.00%▼ from 16.50%
  • Sep 14, 202616.50%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 60 Months
16.50%
60 Months
View
▼
APR16.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
16.50%
72 Months
View
▼
APR16.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
New and Used Auto - 72 Months
17.00%
72 Months
View
▼
APR17.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 17.00% ▲ 0.50 pts · high 17.00% / low 16.50%
16.00%16.75%17.50%Sep 14, 2026: 16.50% APROct 9, 2026: 17.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202617.00%▲ from 16.50%
  • Sep 14, 202616.50%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
17.00%
60 Months
View
▼
APR17.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 D Credit Tier

Rate History
No change since Sep 14, 2026 · 17.00% APR · checked 7 times
16.50%17.00%17.50%Sep 14, 2026: 17.00% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
1400 E Main St, Montrose, CO, 81401
Used Auto
17.50%
72 Months
View
▼
APR17.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 D Credit Tier

Rate History
No change since Sep 14, 2026 · 17.50% APR · checked 7 times
17.00%17.50%18.00%Sep 14, 2026: 17.50% APRSep 14, 2026Oct 13, 2026

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.

View Full Colorado Auto Trends
New Auto Loan CO Avg
5.279%
▼ 0.035 vs 7 days ago

Colorado new auto rates fell 0.035 points over the past 7 days to 5.279% APR.

Used Auto Loan CO Avg
5.663%
▲ 0.036 vs 7 days ago

Colorado used auto rates rose 0.036 points over the past 7 days to 5.663% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Colorado Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Colorado figures.

Current New Auto Avg
5.28%
APR, as of Oct 13, 2026
6-Month Forecast
5.36%
Fed hold assumed
12-Month Forecast
5.43%
Range: 5.08% to 5.63%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Colorado APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.28% APR
CO average		 Used Auto @ 5.66% APR
CO average		 Monthly Difference
$15,000 $284.99/mo $287.65/mo $2.66/mo
$25,000 $474.98/mo $479.41/mo $4.43/mo
$35,000 $664.97/mo $671.18/mo $6.21/mo
$45,000 $854.96/mo $862.94/mo $7.98/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Colorado

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Colorado locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Colorado. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Colorado Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$52,167
Median Individual Earnings
National avg: $47,340
4.6%
Unemployment Rate
National avg: 4.8%
9.4%
Poverty Rate
National avg: 11.1%
$570/mo
Payment on a $30K / 60-mo Loan
At CO new-auto avg 5.28% APR

A $570 monthly car payment works out to roughly 13.1% of the median individual income in Colorado. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Colorado, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1 to 3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Colorado. We’ve prefilled the APR with today’s CO new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

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.

Bad Credit Auto Loans in Colorado

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans
Powered byMonitorBankRates

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.

Should I get preapproved for an auto loan before visiting a dealer in Colorado?

Yes. A preapproval from a bank or credit union serving Colorado gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Colorado can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Colorado?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

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: 3.74% (New/Used Auto Purchase)
  • Navy Federal Credit Union: 3.89% (New Auto Loan)
  • Sunward: 4.18% (New & Used Vehicle Loan)
  • Northrop Grumman Federal Credit Union: 4.24% (New Auto - FIXED)
  • San Juan Mountains Credit Union: 4.25% (New and Used Auto - 60 Months)
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: October 13, 2026

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Auto Loan Rates by City in Colorado

  • Agate
  • Aguilar
  • Akron
  • Alamosa
  • Allenspark
  • Alma
  • Almont
  • Amherst
  • Anton
  • Antonito
  • Arapahoe
  • Arboles
  • Arlington
  • Arriba
  • Arvada
  • Aspen
  • Atwood
  • Ault
  • Aurora
  • Austin
  • Avon
  • Avondale
  • Bailey
  • Basalt
  • Battlement Mesa
  • Bayfield
  • Bedrock
  • Bellvue
  • Bennett
  • Berthoud
  • Bethune
  • Beulah
  • Black Hawk
  • Blanca
  • Blue River
  • Boncarbo
  • Bond
  • Boone
  • Boulder
  • Bow Mar
  • Branson
  • Breckenridge
  • Briggsdale
  • Brighton
  • Brookside
  • Broomfield
  • Brush
  • Buena Vista
  • Buffalo Creek
  • Burlington
  • Burns
  • Byers
  • Cahone
  • Calhan
  • Campo
  • Canon City
  • Capulin
  • Carbonate
  • Carbondale
  • Carr
  • Cascade
  • Castle Pines
  • Castle Rock
  • Cedaredge
  • Centennial
  • Center
  • Central
  • Central City
  • Chama
  • Cheraw
  • Cherry Hills Village
  • Cheyenne Wells
  • Chimney Rock
  • Chromo
  • Cimarron
  • City of Creede
  • Clark
  • Clifton
  • Climax
  • Coal Creek
  • Coaldale
  • Coalmont
  • Cokedale
  • Collbran
  • Colorado City
  • Colorado Springs
  • Columbine Valley
  • Commerce City
  • Como
  • Conejos
  • Conifer
  • Cope
  • Cortez
  • Cory
  • Cotopaxi
  • Cowdrey
  • Craig
  • Crawford
  • Creede
  • Crested Butte
  • Crestone
  • Cripple Creek
  • Crook
  • Crowley
  • Dacono
  • De Beque
  • Deer Trail
  • Del Norte
  • Delta
  • Denver
  • Dillon
  • Dinosaur
  • Divide
  • Dolores
  • Dove Creek
  • Drake
  • Dumont
  • Dupont
  • Durango
  • Eads
  • Eagle
  • Eastlake
  • Eaton
  • Eckert
  • Eckley
  • Edgewater
  • Edwards
  • Egnar
  • El Jebel
  • Elbert
  • Eldorado Springs
  • Elizabeth
  • Empire
  • Englewood
  • Erie
  • Estes Park
  • Evans
  • Evergreen
  • Fairplay
  • Federal Heights
  • Firestone
  • Flagler
  • Fleming
  • Florence
  • Florissant
  • Fort Collins
  • Fort Garland
  • Fort Lupton
  • Fort Lyon
  • Fort Morgan
  • Fountain
  • Fowler
  • Foxfield
  • Franktown
  • Fraser
  • Frederick
  • Frisco
  • Fruita
  • Galeton
  • Garcia
  • Garden City
  • Gardner
  • Gateway
  • Genoa
  • Georgetown
  • Gilcrest
  • Gill
  • Glade Park
  • Glen Haven
  • Glendale
  • Glenwood Springs
  • Golden
  • Granada
  • Granby
  • Grand Junction
  • Grand Lake
  • Granite
  • Grant
  • Greeley
  • Green Mountain Falls
  • Greenwood Village
  • Grover
  • Guffey
  • Gulnare
  • Gunnison
  • Gypsum
  • Hamilton
  • Hartman
  • Hartsel
  • Hasty
  • Haswell
  • Haxtun
  • Hayden
  • Henderson
  • Hereford
  • Hesperus
  • Hillrose
  • Hillside
  • Hoehne
  • Holly
  • Holyoke
  • Homelake
  • Hooper
  • Hot Sulphur Springs
  • Hotchkiss
  • Howard
  • Hudson
  • Hugo
  • Hygiene
  • Idaho Springs
  • Idalia
  • Idledale
  • Ignacio
  • Iliff
  • Indian Hills
  • Jamestown
  • Jaroso
  • Jefferson
  • Jelm
  • Joes
  • Johnstown
  • Julesburg
  • Karval
  • Keenesburg
  • Kersey
  • Kim
  • Kiowa
  • Kirk
  • Kit Carson
  • Kittredge
  • Kremmling
  • La Jara
  • La Junta
  • La Salle
  • La Veta
  • Lafayette
  • Lake City
  • Lake George
  • Lakeside
  • Lakewood
  • Lamar
  • Laporte
  • Larkspur
  • Las Animas
  • Lazear
  • Leadville
  • Lewis
  • Limon
  • Lindon
  • Littleton
  • Livermore
  • Lochbuie
  • Log Lane Village
  • Loma
  • Lone Tree
  • Longmont
  • Louisville
  • Louviers
  • Loveland
  • Lucerne
  • Lyons
  • Mack
  • Maher
  • Manassa
  • Mancos
  • Manitou Springs
  • Manzanola
  • Marble
  • Marvel
  • Masonville
  • Matheson
  • Maybell
  • McClave
  • McCoy
  • Mead
  • Meeker
  • Meredith
  • Merino
  • Mesa
  • Milliken
  • Minturn
  • Model
  • Moffat
  • Molina
  • Monarch
  • Monte Vista
  • Montezuma
  • Montrose
  • Monument
  • Morrison
  • Mosca
  • Mount Crested Butte
  • Mountain View
  • Mountain Village
  • Nathrop
  • Naturita
  • Nederland
  • New Castle
  • New Raymer
  • Niwot
  • Northglenn
  • Norwood
  • Nucla
  • Nunn
  • Oak Creek
  • Ohio City
  • Olathe
  • Olney Springs
  • Ophir
  • Orchard
  • Orchard City
  • Ordway
  • Otis
  • Ouray
  • Ovid
  • Padroni
  • Pagosa Springs
  • Palisade
  • Palmer Lake
  • Paoli
  • Paonia
  • Parachute
  • Paradox
  • Parker
  • Parlin
  • Parshall
  • Peetz
  • Penrose
  • Peyton
  • Phippsburg
  • Pierce
  • Pine
  • Pinecliffe
  • Pitkin
  • Placerville
  • Platteville
  • Pleasant View
  • Poncha Springs
  • Powderhorn
  • Pritchett
  • Pueblo
  • Ramah
  • Rand
  • Rangely
  • Raymer (New Raymer)
  • Red Cliff
  • Red Feather Lakes
  • Red Wing
  • Redvale
  • Rico
  • Ridgway
  • Rifle
  • Rockvale
  • Rocky Ford
  • Roggen
  • Rollinsville
  • Romeo
  • Rush
  • Rye
  • Saguache
  • Salida
  • San Luis
  • San Pablo
  • Sanford
  • Sargents
  • Sawpit
  • Sedalia
  • Sedgwick
  • Seibert
  • Severance
  • Shawnee
  • Sheridan
  • Sheridan Lake
  • Sherrelwood
  • Silt
  • Silver Cliff
  • Silver Plume
  • Silverthorne
  • Silverton
  • Simla
  • Slater
  • Snowmass
  • Snowmass Village
  • Snyder
  • Somerset
  • South Fork
  • Springfield
  • Starkville
  • Steamboat Springs
  • Sterling
  • Stoneham
  • Strasburg
  • Stratton
  • Sugar City
  • Superior
  • Swink
  • Tabernash
  • Telluride
  • Thornton
  • Timnath
  • Toponas
  • Towaoc
  • Trinchera
  • Trinidad
  • Twin Lakes
  • Two Buttes
  • U S A F Academy
  • Vail
  • Vernon
  • Victor
  • Vilas
  • Villa Grove
  • Vona
  • Walden
  • Walsenburg
  • Walsh
  • Ward
  • Watkins
  • Weldona
  • Wellington
  • Westcliffe
  • Westminster
  • Weston
  • Wetmore
  • Wheat Ridge
  • Whitewater
  • Wiggins
  • Wild Horse
  • Wiley
  • Williamsburg
  • Windsor
  • Winter Park
  • Wolcott
  • Woodland Park
  • Woodrow
  • Woody Creek
  • Wray
  • Yampa
  • Yellow Jacket
  • Yoder
  • Yuma