Auto Loan Rates in Bernalillo, New Mexico (NM) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Bernalillo, New Mexico include US Eagle Federal Credit UnionUS Eagle Federal Credit Union53 Jemez Canyon Dam Rd, Bernalillo, NM, 87004F1.5 ★Texas Ratio: 42.99% offering New and Used Auto Loans at 3.99%, Four Corners Federal Credit UnionFour Corners Federal Credit UnionA+5.0 ★Texas Ratio: 1.61% offering New Vehicle Loan at 3.25%, Rio Grande Credit UnionRio Grande Credit UnionA5.0 ★Texas Ratio: 9.53% offering Auto Refinance at 3.70%, Del Norte Credit UnionDel Norte Credit UnionA+5.0 ★Texas Ratio: 3.30% offering New and Used Auto Loans - Cars & Trucks at 3.99%, State Employees Credit UnionState Employees Credit UnionC3.8 ★Texas Ratio: 26.10% offering Auto Loans at 3.99%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Bernalillo has 1 local institution in our database, with auto loan rates as low as 3.99% APR from US Eagle Federal Credit Union at 53 Jemez Canyon Dam Rd, Bernalillo, NM, 87004. 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 Bernalillo, New Mexico. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Bernalillo, New Mexico & Surrounding Area
Bernalillo Auto Loan Rates
As Low As; MemPerx Max Benefit: as low as 3.49% APR
As Low As; MemPerx Max Benefit: as low as 4.74% APR
As Low As; MemPerx Max Benefit: as low as 5.44% APR
As Low As; MemPerx Max Benefit: as low as 6.14% APR
As Low As; MemPerx Max Benefit: as low as 6.24% APR
As Low As; MemPerx Max Benefit: as low as 6.34% APR
As Low As; MemPerx Max Benefit: as low as 7.04% APR
As low as
As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As low as
APR*** as low as; Loan subject to $37 processing fee. APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
As Low As; The Open Road is Calling With rates as low as 3.99% for 84 months - the route to better saving starts here!
Loan Amount: $500 - $150,000
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As low as
As low as
As Low As; Rate Matching Available New and Used
Loan Amount: $500 - $150,000
As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As Low As; Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
As low as
All loans quoted at 80% Loan to Value
As Low As; Now-September 8
As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As Low As; Qualified buyers: Take 90 days to make your first payment.
Vehicle Year: 2022 - 2027
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As low as
As low as
As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
As Low As; 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As Low As; Loyalty Plus & Digital Services Discount: 4.39%
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As low as
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
As low as
All loans quoted at 80% Loan to Value
Loan Amount: $500 - $150,000
Loan Amount: $500 - $150,000
As Low As; Loyalty Plus & Digital Services Discount: 4.59%
A+ Tier
Vehicle Year: 2022 - 2027
As low as
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
As Low As
Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As low as
Rate Matching Available New and Used
All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)
Loan Amount: $500 - $150,000
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Loyalty Plus & Digital Services Discount: 4.79%
A+ Tier
All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)
Loan Amount: $500 - $150,000
Loan Amount: $500 - $150,000
Vehicle Year: 2022 - 2027
As Low As; Qualified buyers: Take 90 days to make your first payment.
A Tier
A+ Tier
As Low As; 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
Vehicle Year: 2018 - 2021
As Low As
As Low As
APR*** as low as; Loan subject to $37 processing fee. APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
As Low As; Qualified buyers: Take 90 days to make your first payment.
Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As; 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As Low As; Loyalty Plus & Digital Services Discount: 5.19%
A Tier
A+ Tier
Loan Amount: $500 - $150,000
As Low As; 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
Loan Amount: $30,000 - $150,000
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Loan Amount: $500 - $150,000
Vehicle Year: 2022 - 2027
Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
A Tier
A+ Tier
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
Loan Amount: $30,000 - $150,000
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Vehicle Year: 2018 - 2021
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As low as
Rate Matching Available New and Used
A Tier
As Low As
A Tier
B Tier
B Tier
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Vehicle Year: 2018 - 2021
Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
B Tier
Loan Amount: $500 - $150,000
Vehicle Year: 2016-2024; Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As; Vehicles up to four years old or with more than 25,000 miles.
B Tier
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As; Qualified buyers: Take 90 days to make your first payment.
Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
Loan Amount: $500 - $150,000
B Tier
Loan Amount: $500 - $150,000
Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
As Low As; Vehicles up to four years old or with more than 25,000 miles.
As Low As; Vehicles up to four years old or with more than 25,000 miles.
$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%.
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
Loan Amount: $30,000 - $150,000
Loan Amount: $500 - $150,000
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Vehicle Year: 2016-2024; Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
Loan Amount: $500 - $150,000
C Tier
Loan Amount: $500 - $150,000
Vehicle Year: 2016-2024; Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
C Tier
Vehicle Year: 2016-2024; Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
C Tier
Loan Amount: $30,000 - $150,000
C Tier
C Tier
Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
D Tier
D Tier
Tier 1****; Loan subject to $37 processing fee. APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
D Tier
D Tier
Vehicle Year: 2016-2024; Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
D Tier
Vehicle Year: 2016-2024; Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Vehicle Year: 2016-2024; Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
As Low As; All other used vehicles
Tier 2*****; Loan subject to $37 processing fee. APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
Vehicle Year: 2015 or Older; Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Equifax Score: 550-599; Loan to Value Max.(MSRP/NADA Retail): 90%; Debt Ratio Maximum: 40%
Equifax Score: 550-599; Loan to Value Max.(MSRP/NADA Retail): 90%; Debt Ratio Maximum: 40%
Vehicle Year: 2016-2024; Equifax Score: 550-599; Loan to Value Max.(MSRP/NADA Retail): 90%; Debt Ratio Maximum: 40%
E Tier
Vehicle Year: 2016-2024; Equifax Score: 550-599; Loan to Value Max.(MSRP/NADA Retail): 90%; Debt Ratio Maximum: 40%
Vehicle Year: 2016-2024; Equifax Score: 550-599; Loan to Value Max.(MSRP/NADA Retail): 90%; Debt Ratio Maximum: 40%
E Tier
Equifax Score: 549 & Below; Loan to Value Max.(MSRP/NADA Retail): 85%; Debt Ratio Maximum: 40%
E Tier
Equifax Score: 549 & Below; Loan to Value Max.(MSRP/NADA Retail): 85%; Debt Ratio Maximum: 40%
E Tier
Vehicle Year: 2016-2024; Equifax Score: 549 & Below; Loan to Value Max.(MSRP/NADA Retail): 85%; Debt Ratio Maximum: 40%
Vehicle Year: 2016-2024; Equifax Score: 549 & Below; Loan to Value Max.(MSRP/NADA Retail): 85%; Debt Ratio Maximum: 40%
Bernalillo New Auto Auto Loan Rates
As Low As; MemPerx Max Benefit: as low as 3.49% APR
As Low As; MemPerx Max Benefit: as low as 4.74% APR
As Low As; MemPerx Max Benefit: as low as 5.44% APR
As Low As; MemPerx Max Benefit: as low as 6.14% APR
As Low As; MemPerx Max Benefit: as low as 6.24% APR
As Low As; MemPerx Max Benefit: as low as 6.34% APR
As Low As; MemPerx Max Benefit: as low as 7.04% APR
As low as
As low as
APR*** as low as; Loan subject to $37 processing fee. APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
Loan Amount: $500 - $150,000
As low as
As Low As; Rate Matching Available New and Used
Loan Amount: $500 - $150,000
All loans quoted at 80% Loan to Value
Vehicle Year: 2022 - 2027
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As
As low as
As Low As
As Low As; Loyalty Plus & Digital Services Discount: 4.39%
As low as
All loans quoted at 80% Loan to Value
Loan Amount: $500 - $150,000
A+ Tier
Vehicle Year: 2022 - 2027
As low as
As Low As
As low as
All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)
As Low As; Loyalty Plus & Digital Services Discount: 4.79%
A+ Tier
All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)
Loan Amount: $500 - $150,000
Vehicle Year: 2022 - 2027
A Tier
A+ Tier
Vehicle Year: 2018 - 2021
As Low As
APR*** as low as; Loan subject to $37 processing fee. APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
As Low As; Loyalty Plus & Digital Services Discount: 5.19%
A Tier
A+ Tier
Loan Amount: $30,000 - $150,000
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Vehicle Year: 2022 - 2027
A Tier
A+ Tier
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Vehicle Year: 2018 - 2021
A Tier
As Low As
A Tier
B Tier
B Tier
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Vehicle Year: 2018 - 2021
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
B Tier
Loan Amount: $500 - $150,000
B Tier
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Loan Amount: $500 - $150,000
B Tier
Loan Amount: $500 - $150,000
Loan Amount: $30,000 - $150,000
C Tier
C Tier
C Tier
C Tier
C Tier
D Tier
D Tier
D Tier
D Tier
D Tier
E Tier
E Tier
E Tier
E Tier
Bernalillo Used Auto Auto Loan Rates
As Low As; MemPerx Max Benefit: as low as 3.49% APR
As Low As; MemPerx Max Benefit: as low as 4.74% APR
As Low As; MemPerx Max Benefit: as low as 5.44% APR
As Low As; MemPerx Max Benefit: as low as 6.14% APR
As Low As; MemPerx Max Benefit: as low as 6.24% APR
As Low As; MemPerx Max Benefit: as low as 6.34% APR
As Low As; MemPerx Max Benefit: as low as 7.04% APR
APR*** as low as; Loan subject to $37 processing fee. APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
As low as
As low as
All loans quoted at 80% Loan to Value
As Low As; Qualified buyers: Take 90 days to make your first payment.
Vehicle Year: 2022 - 2027
As low as
As Low As; Qualified buyers: Take 90 days to make your first payment.
As low as
As low as
All loans quoted at 80% Loan to Value
Loan Amount: $500 - $150,000
As Low As; Loyalty Plus & Digital Services Discount: 4.59%
Vehicle Year: 2022 - 2027
Rate Matching Available New and Used
All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)
Loan Amount: $500 - $150,000
As Low As; Qualified buyers: Take 90 days to make your first payment.
All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)
Loan Amount: $500 - $150,000
Vehicle Year: 2022 - 2027
As Low As; Qualified buyers: Take 90 days to make your first payment.
Vehicle Year: 2018 - 2021
As Low As
APR*** as low as; Loan subject to $37 processing fee. APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
As Low As; Qualified buyers: Take 90 days to make your first payment.
Loan Amount: $500 - $150,000
Loan Amount: $500 - $150,000
Vehicle Year: 2022 - 2027
As Low As; Qualified buyers: Take 90 days to make your first payment.
Loan Amount: $30,000 - $150,000
Vehicle Year: 2018 - 2021
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
As low as
Rate Matching Available New and Used
Vehicle Year: 2018 - 2021
As Low As; Vehicles up to four years old or with more than 25,000 miles.
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Vehicles up to four years old or with more than 25,000 miles.
As Low As; Vehicles up to four years old or with more than 25,000 miles.
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Loan Amount: $500 - $150,000
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Loan Amount: $500 - $150,000
Loan Amount: $500 - $150,000
Loan Amount: $30,000 - $150,000
As Low As; All other used vehicles
Bernalillo, NM Auto Loan Rate Trends
Compare local Bernalillo, NM 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 Mexico new auto rates rose 0.432 points over the past 7 days to 6.577% APR.
New Mexico used auto rates fell 0.371 points over the past 7 days to 5.661% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bernalillo, 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 Bernalillo, 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 Bernalillo, 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 Bernalillo, New Mexico
How does my credit score affect my car loan rate in New Mexico?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Bernalillo, New Mexico?
- US Eagle Federal Credit Union: 3.99% (New and Used Auto Loans)
- Four Corners Federal Credit Union: 3.25% (New Vehicle Loan)
- Rio Grande Credit Union: 3.70% (Auto Refinance)
- Del Norte Credit Union: 3.99% (New and Used Auto Loans - Cars & Trucks)
- State Employees Credit Union: 3.99% (Auto Loans)
Bernalillo, New Mexico Rates & Resources
