Auto Loan Rates in Edwards, Colorado (CO) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Edwards, Colorado. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Edwards, Colorado include Rio Grande Federal Credit UnionRio Grande Federal Credit UnionA+5.0 ★Texas Ratio: 0.09% offering New Auto Loans at 2.89%, Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 1.71% offering Auto Loan at 3.49%, Holyoke Community Federal Credit UnionHolyoke Community Federal Credit UnionA+5.0 ★Texas Ratio: 2.92% offering New Auto at 4.26%, Together Credit UnionTogether Credit UnionA+5.0 ★Texas Ratio: 5.65% offering New Auto at 4.64%, Horizons North Credit UnionHorizons North Credit UnionA+5.0 ★Texas Ratio: 0.05% offering Auto Loans at 4.89%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Edwards borrowers have access to 15 lenders serving the Colorado area, with auto loan rates as low as 2.89% APR from Rio Grande Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Edwards, Colorado. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Edwards, Colorado & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Auto Loans
2.89%
84 Months
▼
APR2.89%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
2.89%
75 Months
▼
APR2.89%
Term75 Months
Last UpdatedApr 17, 2026
Details
As Low As; 72 month term rates begin at 2.99%
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Auto Loan
3.49%
60 Months
▼
APR3.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; with Relationship Pricing
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Auto
4.26%
84 Months
▼
APR4.26%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Horizons North Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Auto Loans
4.89%
72 months
▼
APR4.89%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As; New, used and refi
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Auto Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As; Model Year: 2022 & Newer
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Auto Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedApr 17, 2026
Details
As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
APR4.99%
TermUp to 36
Last UpdatedApr 19, 2026
Details
APR4.99%
TermUp to 36
Last UpdatedApr 19, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Automobiles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New: 2022 & Newer Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
NEW AUTO 2023-2025
5.24%
0-72
▼
APR5.24%
Term0-72
Last UpdatedApr 19, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
FlexChoice Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount)*
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
Used Auto Loans
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount)*
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As; Model Year: 2021 - 2018
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used: 2021 - 2018 Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
New Auto
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedApr 18, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedApr 18, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
Auto Loan (New & Used)
5.99%
Up to 7 years
▼
APR5.99%
TermUp to 7 years
Last UpdatedApr 19, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
USED AUTO 2017-2022
6.24%
0-72
▼
APR6.24%
Term0-72
Last UpdatedApr 19, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Model Year: 2017 & Older
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used: 2017 & Older Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
Business Vehicle Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
Fixed Rate up to 72 months
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
Used Auto
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedApr 18, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Auto Loans
2.89%
84 Months
▼
APR2.89%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Auto
4.26%
84 Months
▼
APR4.26%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Auto Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As; Model Year: 2022 & Newer
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Auto Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedApr 17, 2026
Details
As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New: 2022 & Newer Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
NEW AUTO 2023-2025
5.24%
0-72
▼
APR5.24%
Term0-72
Last UpdatedApr 19, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
New Auto
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedApr 18, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedApr 18, 2026
Details
As Low As
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
Auto Loan (New & Used)
5.99%
Up to 7 years
▼
APR5.99%
TermUp to 7 years
Last UpdatedApr 19, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
2.89%
75 Months
▼
APR2.89%
Term75 Months
Last UpdatedApr 17, 2026
Details
As Low As; 72 month term rates begin at 2.99%
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
Used Auto Loans
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount)*
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As; Model Year: 2021 - 2018
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used: 2021 - 2018 Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedApr 18, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
Auto Loan (New & Used)
5.99%
Up to 7 years
▼
APR5.99%
TermUp to 7 years
Last UpdatedApr 19, 2026
Details
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
USED AUTO 2017-2022
6.24%
0-72
▼
APR6.24%
Term0-72
Last UpdatedApr 19, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Model Year: 2017 & Older
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used: 2017 & Older Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Rate Adjusts with Term
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
Used Auto
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedApr 18, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Edwards, CO Auto Loan Rate Trends
Compare local Edwards, CO auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — CO Avg
5.113%
▼ 0.151 vs 7 days ago
Colorado new auto rates fell 0.151 points over the past 7 days to 5.113% APR.
Used Auto Loan — CO Avg
5.533%
▼ 0.062 vs 7 days ago
Colorado used auto rates fell 0.062 points over the past 7 days to 5.533% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Edwards, 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 Edwards, 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 Edwards, Colorado typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Edwards, Colorado?
Based on our current data, some of the lowest auto loan rates available in Edwards, Colorado include:
- Rio Grande Federal Credit Union: 2.89% (New Auto Loans)
- Electrical Federal Credit Union: 3.49% (Auto Loan)
- Holyoke Community Federal Credit Union: 4.26% (New Auto)
- Together Credit Union: 4.64% (New Auto)
- Horizons North Credit Union: 4.89% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Edwards, Colorado. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Rate Assistant
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