Auto Loan Rates in New Mexico (NM) for July 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 New Mexico. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in New Mexico include Four Corners Federal Credit UnionFour Corners Federal Credit Union16 Road 6500, Kirtland, NM, 87417A+5.0 ★Texas Ratio: 1.61% offering New Vehicle Loan at 3.25%, US Eagle Federal Credit UnionUS Eagle Federal Credit Union3939 Osuna Rd NE, Albuquerque, NM, 87109 4431F1.5 ★Texas Ratio: 42.99% offering New and Used Auto Loans at 3.99%, Cannon Federal Credit UnionCannon Federal Credit Union4205 N Prince St, Clovis, NM, 88101A+5.0 ★Texas Ratio: 1.09% offering New Auto at 4.19%, Estacado Federal Credit Union FCUEstacado Federal Credit Union FCU2220 N DAL PASO St, HOBBS, NM, 88240 3048A+5.0 ★Texas Ratio: 1.88% offering Vehicle Loan at 4.25%, The Florist Federal Credit UnionThe Florist Federal Credit Union313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804A5.0 ★Texas Ratio: 6.28% offering New Auto at 4.25%. Auto loan rates as of July 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across New Mexico side-by-side. New Mexico auto loan rates currently start as low as 3.25% APR from Four Corners Federal Credit Union at 16 Road 6500, Kirtland, NM, 87417. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in New Mexico. Auto Loan Rates Last Updated and Verified: July 15, 2026
Compare Auto Loan Rates Today in New Mexico
New Mexico Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
New Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedJul 15, 2026
Details
As low as
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
New Vehicle Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedJul 15, 2026
Details
As low as
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 3.49% APR
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Auto
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
4.25%
Up to 3 Years (1-36M)
▼
APR4.25%
TermUp to 3 Years (1-36M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
New Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedJul 15, 2026
Details
As low as
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedJul 15, 2026
Details
As low as
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
New Auto
4.25%
Up To 72 Months
▼
APR4.25%
TermUp To 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rate Matching Available New and Used
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Auto
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle Loan
4.55%
36 Months
▼
APR4.55%
Term36 Months
Last UpdatedJul 15, 2026
Details
As low as
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
GECU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
141 N Roadrunner Pkwy, Las Cruces, NM, 88011 2000
Auto Loan
4.59%
66 Months
▼
APR4.59%
Term66 Months
Last UpdatedJul 10, 2026
Details
As Low As; Now-September 8
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
4.74%
12 - 48 months
▼
APR4.74%
Term12 - 48 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
4.75%
4 - 5 Years (37-64M)
▼
APR4.75%
Term4 - 5 Years (37-64M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
New Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 15, 2026
Details
As low as
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJul 15, 2026
Details
As low as
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
4.94%
37-48 Months
▼
APR4.94%
Term37-48 Months
Last UpdatedJul 11, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Plus & Digital Services Discount: 4.39%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
4.99%
6 Years (65-76M)
▼
APR4.99%
Term6 Years (65-76M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
9200 Golf Course Rd NW, Albuquerque, NM, 87114 5891
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
3400 NM 528 NW, Albuquerque, NM, 87114
Utah Auto Loans
4.99%
5 Year Fixed
▼
APR4.99%
Term5 Year Fixed
Last UpdatedJul 15, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle Loan
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedJul 15, 2026
Details
As low as
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - 49 - 72 Months
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Used Auto Loan
5.19%
Up to 72 months
▼
APR5.19%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Plus & Digital Services Discount: 4.59%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedJul 15, 2026
Details
A+ Tier
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
5.24%
49-66 Months
▼
APR5.24%
Term49-66 Months
Last UpdatedJul 11, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 4.74% APR
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.24%
49 - 60 months
▼
APR5.24%
Term49 - 60 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
9200 Golf Course Rd NW, Albuquerque, NM, 87114 5891
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJul 15, 2026
Details
As low as
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
5.25%
Up to 3 Years (1-36M)
▼
APR5.25%
TermUp to 3 Years (1-36M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
New Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedJul 15, 2026
Details
As low as
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Used Auto
5.25%
Up To 72 Months
▼
APR5.25%
TermUp To 72 Months
Last UpdatedJul 15, 2026
Details
Rate Matching Available New and Used
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - 73 - 78 Months
5.29%
78 Months
▼
APR5.29%
Term78 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
5.30%
65 months
▼
APR5.30%
Term65 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
5.39%
Up to 78 months
▼
APR5.39%
TermUp to 78 months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Plus & Digital Services Discount: 4.79%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedJul 15, 2026
Details
A+ Tier
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - 79 - 84 Months
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.49%
61 - 75 months
▼
APR5.49%
Term61 - 75 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
5.50%
75 months**
▼
APR5.50%
Term75 months**
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedJul 15, 2026
Details
A Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
5.59%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedJul 15, 2026
Details
A+ Tier
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
5.74%
67-75 Months
▼
APR5.74%
Term67-75 Months
Last UpdatedJul 11, 2026
Details
As Low As
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
Used Auto
5.74%
2017-2020
▼
APR5.74%
Term2017-2020
Last UpdatedJul 11, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.74%
49 - 60 months
▼
APR5.74%
Term49 - 60 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2018 - 2021
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
5.75%
4 - 5 Years (37-64M)
▼
APR5.75%
Term4 - 5 Years (37-64M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
5.79%
Up to 84 months
▼
APR5.79%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Plus & Digital Services Discount: 5.19%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
5.79%
48 Months
▼
APR5.79%
Term48 Months
Last UpdatedJul 15, 2026
Details
A Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedJul 15, 2026
Details
A+ Tier
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.89%
84 Months
▼
APR5.89%
Term84 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $30,000 - $150,000
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 5.44% APR
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.99%
76 - 84 months
▼
APR5.99%
Term76 - 84 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
5.99%
6 Years (65-76M)
▼
APR5.99%
Term6 Years (65-76M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedJul 15, 2026
Details
A Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJul 15, 2026
Details
A+ Tier
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
6.00%
84 months**
▼
APR6.00%
Term84 months**
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
6.14%
84 Months
▼
APR6.14%
Term84 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $30,000 - $150,000
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
Used Auto
6.24%
2016 and older
▼
APR6.24%
Term2016 and older
Last UpdatedJul 11, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.24%
61 - 75 months
▼
APR6.24%
Term61 - 75 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2018 - 2021
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
6.25%
90 months**
▼
APR6.25%
Term90 months**
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
6.25%
7 Years (77-88M)
▼
APR6.25%
Term7 Years (77-88M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJul 15, 2026
Details
As low as
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Used Auto Over 10 Years Old
6.25%
Up to 36 Months
▼
APR6.25%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Rate Matching Available New and Used
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
6.29%
76-84 Months
▼
APR6.29%
Term76-84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
6.29%
75 Months
▼
APR6.29%
Term75 Months
Last UpdatedJul 15, 2026
Details
A Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedJul 15, 2026
Details
A Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
6.59%
36 Months
▼
APR6.59%
Term36 Months
Last UpdatedJul 15, 2026
Details
B Tier
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 6.14% APR
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
6.69%
48 Months
▼
APR6.69%
Term48 Months
Last UpdatedJul 15, 2026
Details
B Tier
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 6.24% APR
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.74%
76 - 84 months
▼
APR6.74%
Term76 - 84 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2018 - 2021
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
6.75%
Up to 3 Years (1-36M)
▼
APR6.75%
TermUp to 3 Years (1-36M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 6.34% APR
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
6.89%
66 Months
▼
APR6.89%
Term66 Months
Last UpdatedJul 15, 2026
Details
B Tier
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Powersports Vehicle Loan
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
6.99%
6 Years (65-76M)
▼
APR6.99%
Term6 Years (65-76M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
7.09%
75 Months
▼
APR7.09%
Term75 Months
Last UpdatedJul 15, 2026
Details
B Tier
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
7.25%
76-90 months**
▼
APR7.25%
Term76-90 months**
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
7.25%
4 - 5 Years (37-64M)
▼
APR7.25%
Term4 - 5 Years (37-64M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Powersports Vehicle Loan
7.29%
60 Months
▼
APR7.29%
Term60 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
7.29%
84 Months
▼
APR7.29%
Term84 Months
Last UpdatedJul 15, 2026
Details
B Tier
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Powersports Vehicle Loan
7.49%
72 Months
▼
APR7.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
7.49%
6 Years (65-76M)
▼
APR7.49%
Term6 Years (65-76M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 7.04% APR
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJul 15, 2026
Details
$30,000; As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
7.75%
7 Years (77-88M)
▼
APR7.75%
Term7 Years (77-88M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Powersports Vehicle Loan
7.99%
84 Months
▼
APR7.99%
Term84 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $30,000 - $150,000
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Powersports Vehicle Loan
7.99%
48 Months
▼
APR7.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
8.25%
4 - 5 Years (37-64M)
▼
APR8.25%
Term4 - 5 Years (37-64M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Powersports Vehicle Loan
8.29%
60 Months
▼
APR8.29%
Term60 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
8.39%
36 Months
▼
APR8.39%
Term36 Months
Last UpdatedJul 15, 2026
Details
C Tier
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Powersports Vehicle Loan
8.49%
72 Months
▼
APR8.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
8.49%
6 Years (65-76M)
▼
APR8.49%
Term6 Years (65-76M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
8.59%
48 Months
▼
APR8.59%
Term48 Months
Last UpdatedJul 15, 2026
Details
C Tier
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
8.75%
7 Years (77-88M)
▼
APR8.75%
Term7 Years (77-88M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
8.79%
66 Months
▼
APR8.79%
Term66 Months
Last UpdatedJul 15, 2026
Details
C Tier
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Powersports Vehicle Loan
8.99%
84 Months
▼
APR8.99%
Term84 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $30,000 - $150,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
8.99%
75 Months
▼
APR8.99%
Term75 Months
Last UpdatedJul 15, 2026
Details
C Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
9.19%
84 Months
▼
APR9.19%
Term84 Months
Last UpdatedJul 15, 2026
Details
C Tier
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
10.25%
Up to 3 Years (1-36M)
▼
APR10.25%
TermUp to 3 Years (1-36M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
10.75%
4 - 5 Years (37-64M)
▼
APR10.75%
Term4 - 5 Years (37-64M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
10.99%
6 Years (65-76M)
▼
APR10.99%
Term6 Years (65-76M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
10.99%
36 Months
▼
APR10.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
D Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
11.19%
48 Months
▼
APR11.19%
Term48 Months
Last UpdatedJul 15, 2026
Details
D Tier
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
11.25%
7 Years (77-88M)
▼
APR11.25%
Term7 Years (77-88M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
11.39%
66 Months
▼
APR11.39%
Term66 Months
Last UpdatedJul 15, 2026
Details
D Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
11.59%
75 Months
▼
APR11.59%
Term75 Months
Last UpdatedJul 15, 2026
Details
D Tier
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
11.75%
4 - 5 Years (37-64M)
▼
APR11.75%
Term4 - 5 Years (37-64M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
11.79%
84 Months
▼
APR11.79%
Term84 Months
Last UpdatedJul 15, 2026
Details
D Tier
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
11.99%
6 Years (65-76M)
▼
APR11.99%
Term6 Years (65-76M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
12.25%
7 Years (77-88M)
▼
APR12.25%
Term7 Years (77-88M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
13.75%
Up to 5 Years (1-60M)
▼
APR13.75%
TermUp to 5 Years (1-60M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2015 or Older; Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
14.25%
Up to 3 Years (1-36M)
▼
APR14.25%
TermUp to 3 Years (1-36M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 550-599; Loan to Value Max.(MSRP/NADA Retail): 90%; Debt Ratio Maximum: 40%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
14.99%
6 Years (65-76M)
▼
APR14.99%
Term6 Years (65-76M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 550-599; Loan to Value Max.(MSRP/NADA Retail): 90%; Debt Ratio Maximum: 40%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
15.25%
Up to 3 Years (1-36M)
▼
APR15.25%
TermUp to 3 Years (1-36M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 550-599; Loan to Value Max.(MSRP/NADA Retail): 90%; Debt Ratio Maximum: 40%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
15.49%
36 Months
▼
APR15.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
E Tier
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
15.75%
4 - 5 Years (37-64M)
▼
APR15.75%
Term4 - 5 Years (37-64M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 550-599; Loan to Value Max.(MSRP/NADA Retail): 90%; Debt Ratio Maximum: 40%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
15.99%
6 Years (65-76M)
▼
APR15.99%
Term6 Years (65-76M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 550-599; Loan to Value Max.(MSRP/NADA Retail): 90%; Debt Ratio Maximum: 40%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
15.99%
48 Months
▼
APR15.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
E Tier
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
16.25%
Up to 3 Years (1-36M)
▼
APR16.25%
TermUp to 3 Years (1-36M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 549 & Below; Loan to Value Max.(MSRP/NADA Retail): 85%; Debt Ratio Maximum: 40%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
16.49%
66 Months
▼
APR16.49%
Term66 Months
Last UpdatedJul 15, 2026
Details
E Tier
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
16.75%
4 - 5 Years (37-64M)
▼
APR16.75%
Term4 - 5 Years (37-64M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 549 & Below; Loan to Value Max.(MSRP/NADA Retail): 85%; Debt Ratio Maximum: 40%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
16.99%
75 Months
▼
APR16.99%
Term75 Months
Last UpdatedJul 15, 2026
Details
E Tier
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
17.25%
Up to 3 Years (1-36M)
▼
APR17.25%
TermUp to 3 Years (1-36M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 549 & Below; Loan to Value Max.(MSRP/NADA Retail): 85%; Debt Ratio Maximum: 40%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Vehicle Loan
17.75%
4 - 5 Years (37-64M)
▼
APR17.75%
Term4 - 5 Years (37-64M)
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2016-2024; Equifax Score: 549 & Below; Loan to Value Max.(MSRP/NADA Retail): 85%; Debt Ratio Maximum: 40%
Powered by
MonitorBankRates
New Mexico New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
New Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedJul 15, 2026
Details
As low as
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
New Vehicle Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedJul 15, 2026
Details
As low as
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 3.49% APR
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Auto
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
New Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedJul 15, 2026
Details
As low as
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
New Auto
4.25%
Up To 72 Months
▼
APR4.25%
TermUp To 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rate Matching Available New and Used
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Auto
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
4.74%
12 - 48 months
▼
APR4.74%
Term12 - 48 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
New Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 15, 2026
Details
As low as
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
4.94%
37-48 Months
▼
APR4.94%
Term37-48 Months
Last UpdatedJul 11, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Plus & Digital Services Discount: 4.39%
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
9200 Golf Course Rd NW, Albuquerque, NM, 87114 5891
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - 49 - 72 Months
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedJul 15, 2026
Details
A+ Tier
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
5.24%
49-66 Months
▼
APR5.24%
Term49-66 Months
Last UpdatedJul 11, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 4.74% APR
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.24%
49 - 60 months
▼
APR5.24%
Term49 - 60 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
9200 Golf Course Rd NW, Albuquerque, NM, 87114 5891
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJul 15, 2026
Details
As low as
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
New Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedJul 15, 2026
Details
As low as
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - 73 - 78 Months
5.29%
78 Months
▼
APR5.29%
Term78 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
5.39%
Up to 78 months
▼
APR5.39%
TermUp to 78 months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Plus & Digital Services Discount: 4.79%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedJul 15, 2026
Details
A+ Tier
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - 79 - 84 Months
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.49%
61 - 75 months
▼
APR5.49%
Term61 - 75 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedJul 15, 2026
Details
A Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
5.59%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedJul 15, 2026
Details
A+ Tier
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
5.74%
67-75 Months
▼
APR5.74%
Term67-75 Months
Last UpdatedJul 11, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.74%
49 - 60 months
▼
APR5.74%
Term49 - 60 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2018 - 2021
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
5.79%
Up to 84 months
▼
APR5.79%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Plus & Digital Services Discount: 5.19%
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
5.79%
48 Months
▼
APR5.79%
Term48 Months
Last UpdatedJul 15, 2026
Details
A Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedJul 15, 2026
Details
A+ Tier
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.89%
84 Months
▼
APR5.89%
Term84 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $30,000 - $150,000
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 5.44% APR
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.99%
76 - 84 months
▼
APR5.99%
Term76 - 84 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedJul 15, 2026
Details
A Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJul 15, 2026
Details
A+ Tier
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.24%
61 - 75 months
▼
APR6.24%
Term61 - 75 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2018 - 2021
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
6.29%
76-84 Months
▼
APR6.29%
Term76-84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
6.29%
75 Months
▼
APR6.29%
Term75 Months
Last UpdatedJul 15, 2026
Details
A Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedJul 15, 2026
Details
A Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
6.59%
36 Months
▼
APR6.59%
Term36 Months
Last UpdatedJul 15, 2026
Details
B Tier
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 6.14% APR
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
6.69%
48 Months
▼
APR6.69%
Term48 Months
Last UpdatedJul 15, 2026
Details
B Tier
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 6.24% APR
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.74%
76 - 84 months
▼
APR6.74%
Term76 - 84 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2018 - 2021
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 6.34% APR
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
6.89%
66 Months
▼
APR6.89%
Term66 Months
Last UpdatedJul 15, 2026
Details
B Tier
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Powersports Vehicle Loan
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
7.09%
75 Months
▼
APR7.09%
Term75 Months
Last UpdatedJul 15, 2026
Details
B Tier
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Powersports Vehicle Loan
7.29%
60 Months
▼
APR7.29%
Term60 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
7.29%
84 Months
▼
APR7.29%
Term84 Months
Last UpdatedJul 15, 2026
Details
B Tier
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Powersports Vehicle Loan
7.49%
72 Months
▼
APR7.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 7.04% APR
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
New Powersports Vehicle Loan
7.99%
84 Months
▼
APR7.99%
Term84 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $30,000 - $150,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
8.39%
36 Months
▼
APR8.39%
Term36 Months
Last UpdatedJul 15, 2026
Details
C Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
8.59%
48 Months
▼
APR8.59%
Term48 Months
Last UpdatedJul 15, 2026
Details
C Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
8.79%
66 Months
▼
APR8.79%
Term66 Months
Last UpdatedJul 15, 2026
Details
C Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
8.99%
75 Months
▼
APR8.99%
Term75 Months
Last UpdatedJul 15, 2026
Details
C Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
9.19%
84 Months
▼
APR9.19%
Term84 Months
Last UpdatedJul 15, 2026
Details
C Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
10.99%
36 Months
▼
APR10.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
D Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
11.19%
48 Months
▼
APR11.19%
Term48 Months
Last UpdatedJul 15, 2026
Details
D Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
11.39%
66 Months
▼
APR11.39%
Term66 Months
Last UpdatedJul 15, 2026
Details
D Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
11.59%
75 Months
▼
APR11.59%
Term75 Months
Last UpdatedJul 15, 2026
Details
D Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
11.79%
84 Months
▼
APR11.79%
Term84 Months
Last UpdatedJul 15, 2026
Details
D Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
15.49%
36 Months
▼
APR15.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
E Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
15.99%
48 Months
▼
APR15.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
E Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
16.49%
66 Months
▼
APR16.49%
Term66 Months
Last UpdatedJul 15, 2026
Details
E Tier
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
16.99%
75 Months
▼
APR16.99%
Term75 Months
Last UpdatedJul 15, 2026
Details
E Tier
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New Mexico Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 3.49% APR
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedJul 15, 2026
Details
As low as
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle Loan
4.55%
36 Months
▼
APR4.55%
Term36 Months
Last UpdatedJul 15, 2026
Details
As low as
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - Up to 48 Months
4.59%
Up to 48 Months
▼
APR4.59%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
4.74%
12 - 48 months
▼
APR4.74%
Term12 - 48 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJul 15, 2026
Details
As low as
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
9200 Golf Course Rd NW, Albuquerque, NM, 87114 5891
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle Loan
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedJul 15, 2026
Details
As low as
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - 49 - 72 Months
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Used Auto Loan
5.19%
Up to 72 months
▼
APR5.19%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Plus & Digital Services Discount: 4.59%
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 4.74% APR
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.24%
49 - 60 months
▼
APR5.24%
Term49 - 60 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Used Auto
5.25%
Up To 72 Months
▼
APR5.25%
TermUp To 72 Months
Last UpdatedJul 15, 2026
Details
Rate Matching Available New and Used
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - 73 - 78 Months
5.29%
78 Months
▼
APR5.29%
Term78 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
5.30%
65 months
▼
APR5.30%
Term65 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
New and Used Autos - 79 - 84 Months
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJul 6, 2026
Details
All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.49%
61 - 75 months
▼
APR5.49%
Term61 - 75 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
5.50%
75 months**
▼
APR5.50%
Term75 months**
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
Used Auto
5.74%
2017-2020
▼
APR5.74%
Term2017-2020
Last UpdatedJul 11, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.74%
49 - 60 months
▼
APR5.74%
Term49 - 60 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2018 - 2021
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 5.44% APR
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.99%
76 - 84 months
▼
APR5.99%
Term76 - 84 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2022 - 2027
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
6.00%
84 months**
▼
APR6.00%
Term84 months**
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Auto
6.14%
84 Months
▼
APR6.14%
Term84 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $30,000 - $150,000
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
210 N 5th St, Artesia, NM, 88210 2000
Used Auto
6.24%
2016 and older
▼
APR6.24%
Term2016 and older
Last UpdatedJul 11, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.24%
61 - 75 months
▼
APR6.24%
Term61 - 75 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2018 - 2021
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
6.25%
90 months**
▼
APR6.25%
Term90 months**
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJul 15, 2026
Details
As low as
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Used Auto Over 10 Years Old
6.25%
Up to 36 Months
▼
APR6.25%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Rate Matching Available New and Used
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 6.14% APR
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 6.24% APR
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.74%
76 - 84 months
▼
APR6.74%
Term76 - 84 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2018 - 2021
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 6.34% APR
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loan
7.25%
76-90 months**
▼
APR7.25%
Term76-90 months**
Last UpdatedJul 6, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedJul 12, 2026
Details
As Low As; MemPerx Max Benefit: as low as 7.04% APR
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Powersports Vehicle Loan
7.99%
48 Months
▼
APR7.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Powersports Vehicle Loan
8.29%
60 Months
▼
APR8.29%
Term60 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Powersports Vehicle Loan
8.49%
72 Months
▼
APR8.49%
Term72 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $500 - $150,000
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
4205 N Prince St, Clovis, NM, 88101
Used Powersports Vehicle Loan
8.99%
84 Months
▼
APR8.99%
Term84 Months
Last UpdatedJul 15, 2026
Details
Loan Amount: $30,000 - $150,000
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MonitorBankRates
New Mexico Auto Loan Rate Trends
Compare local New Mexico 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 — NM Avg
6.577%
▲ 0.432 vs 7 days ago
New Mexico new auto rates rose 0.432 points over the past 7 days to 6.577% APR.
Used Auto Loan — NM Avg
5.661%
▼ 0.371 vs 7 days ago
New Mexico used auto rates fell 0.371 points over the past 7 days to 5.661% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Mexico 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 New Mexico 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 New Mexico. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NM.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in New Mexico
How does my credit score affect my car loan rate in New Mexico?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in New Mexico 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 New Mexico *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 New Mexico 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 New Mexico?
Based on our current data, some of the lowest auto loan rates available in New Mexico include:
- Four Corners Federal Credit Union: 3.25% (New Vehicle Loan)
- US Eagle Federal Credit Union: 3.99% (New and Used Auto Loans)
- Cannon Federal Credit Union: 4.19% (New Auto)
- Estacado Federal Credit Union FCU: 4.25% (Vehicle Loan)
- The Florist Federal Credit Union: 4.25% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in New Mexico. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 15, 2026
Auto Loan Rates by City in New Mexico
Rate Assistant
MonitorBankRates.com · Live Data
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