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Auto Loan Rates in Rio Rancho, New Mexico (NM) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Rio Rancho, New Mexico. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 19, 2026

Current auto loan rates in Rio Rancho, New Mexico include First Financial Credit UnionFirst Financial Credit Union2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124A5.0 ★Texas Ratio: 10.46% offering New & Used Vehicles (Up to 5 Years Old) at 4.67%, Nusenda Federal Credit UnionNusenda Federal Credit Union7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144A+5.0 ★Texas Ratio: 4.72% offering Used Auto Loans at 4.74%, Rio Grande Credit UnionRio Grande Credit Union1526 Unser Blvd SE, Rio Rancho, NM, 87124A5.0 ★Texas Ratio: 11.04% offering Auto Refinance at 4.95%, Four Corners Federal Credit UnionFour Corners Federal Credit UnionA+5.0 ★Texas Ratio: 1.72% offering New Vehicle at 3.25%, US Eagle Federal Credit UnionUS Eagle Federal Credit UnionF1.5 ★Texas Ratio: 56.62% offering Auto Purchase or Refinance at 3.99%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Rio Rancho has 3 local institutions in our database, with auto loan rates as low as 4.67% APR from First Financial Credit Union at 2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124. 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 Rio Rancho, New Mexico. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Rio Rancho, New Mexico & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
View
▼
APR4.67%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Auto Refinance
4.95%
36 Months
View
▼
APR4.95%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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.

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Vehicle Loan
4.95%
36 Months
View
▼
APR4.95%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
View
▼
APR5.09%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
5.30%
65 months
View
▼
APR5.30%
Term65 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
5.50%
75 months
View
▼
APR5.50%
Term75 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Auto Refinance
5.65%
48 Months
View
▼
APR5.65%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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.

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Vehicle Loan
5.65%
48 Months
View
▼
APR5.65%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
View
▼
APR5.69%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
5.69%
36 Months
View
▼
APR5.69%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Auto Refinance
5.75%
65 Months
View
▼
APR5.75%
Term65 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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.

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Vehicle Loan
5.75%
65 Months
View
▼
APR5.75%
Term65 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
View
▼
APR5.79%
Term75 Months
Last UpdatedApr 19, 2026
Details

As Low As

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Vehicle Loan
5.85%
75 Months
View
▼
APR5.85%
Term75 Months
Last UpdatedApr 19, 2026
Details

As Low As

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Auto Refinance
5.85%
75 Months
View
▼
APR5.85%
Term75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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.

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
6.00%
84 months
View
▼
APR6.00%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Vehicle Loan
6.05%
84 Months
View
▼
APR6.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Auto Refinance
6.05%
84 Months
View
▼
APR6.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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.

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
6.09%
60 Months
View
▼
APR6.09%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
6.25%
61 - 75 months
View
▼
APR6.25%
Term61 - 75 months
Last UpdatedApr 17, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
6.59%
75 Months
View
▼
APR6.59%
Term75 Months
Last UpdatedApr 19, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
3.25%
36 Months
View
▼
APR3.25%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
Auto Purchase or Refinance
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As low as

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles
4.00%
Up to 60
View
▼
APR4.00%
TermUp to 60
Last UpdatedApr 19, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
4.19%
36 Months
View
▼
APR4.19%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
4.25%
60 Months
View
▼
APR4.25%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.25%
24 Months
View
▼
APR4.25%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
New Auto
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
4.39%
48 Months
View
▼
APR4.39%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles
4.50%
61 - 72
View
▼
APR4.50%
Term61 - 72
Last UpdatedApr 19, 2026
Details

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less)
4.50%
Up to 60
View
▼
APR4.50%
TermUp to 60
Last UpdatedApr 19, 2026
Details

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (5 - 10 years old)
4.50%
Up to 60
View
▼
APR4.50%
TermUp to 60
Last UpdatedApr 19, 2026
Details

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.55%
36 Months
View
▼
APR4.55%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
4.74%
12 - 48 months
View
▼
APR4.74%
Term12 - 48 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
4.74%
72-75 months
View
▼
APR4.74%
Term72-75 months
Last UpdatedApr 18, 2026
Details

As Low As

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to36 Months

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.94%
37-48
View
▼
APR4.94%
Term37-48
Last UpdatedApr 19, 2026
Details

As Low As; 37-48 Months

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedApr 18, 2026
Details

As Low As

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less)
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
5.05%
60 Months
View
▼
APR5.05%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.09%
60 Months
View
▼
APR5.09%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.19%
24 Months
View
▼
APR5.19%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.19%
72 Months
View
▼
APR5.19%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.19%
0 - 36
View
▼
APR5.19%
Term0 - 36
Last UpdatedApr 18, 2026
Details

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.24%
37 to 66 months
View
▼
APR5.24%
Term37 to 66 months
Last UpdatedApr 17, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.24%
49 - 60 months
View
▼
APR5.24%
Term49 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
5.24%
6 Years
View
▼
APR5.24%
Term6 Years
Last UpdatedApr 18, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan - Declining Rate Auto
5.24%
5 Years
View
▼
APR5.24%
Term5 Years
Last UpdatedApr 18, 2026
Details

As Low As

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.24%
49-66
View
▼
APR5.24%
Term49-66
Last UpdatedApr 19, 2026
Details

As Low As; 49-66 Months

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Auto
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.29%
36 Months
View
▼
APR5.29%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.39%
37 - 48
View
▼
APR5.39%
Term37 - 48
Last UpdatedApr 18, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.49%
61 - 75 months
View
▼
APR5.49%
Term61 - 75 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.59%
78 Months
View
▼
APR5.59%
Term78 Months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.59%
0 - 36
View
▼
APR5.59%
Term0 - 36
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.59%
49 - 66
View
▼
APR5.59%
Term49 - 66
Last UpdatedApr 18, 2026
Details

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.74%
49 - 60 months
View
▼
APR5.74%
Term49 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2018 - 2021

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.74%
67-75
View
▼
APR5.74%
Term67-75
Last UpdatedApr 19, 2026
Details

As Low As; 67-75 Months

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.79%
37 - 48
View
▼
APR5.79%
Term37 - 48
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.79%
67 - 75
View
▼
APR5.79%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.80%
60 Months
View
▼
APR5.80%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.89%
84 Months
View
▼
APR5.89%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto
5.89%
36 Months
View
▼
APR5.89%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.94%
76 to 84 months
View
▼
APR5.94%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details

As Low As

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.99%
76 - 84 months
View
▼
APR5.99%
Term76 - 84 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.99%
49 - 66
View
▼
APR5.99%
Term49 - 66
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.99%
76 - 84
View
▼
APR5.99%
Term76 - 84
Last UpdatedApr 18, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
6.14%
84 Months
View
▼
APR6.14%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto
6.14%
48 Months
View
▼
APR6.14%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
6.24%
61 - 75 months
View
▼
APR6.24%
Term61 - 75 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2018 - 2021

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Auto Over 10 Years Old
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
6.29%
67 - 75
View
▼
APR6.29%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
6.29%
76-84
View
▼
APR6.29%
Term76-84
Last UpdatedApr 19, 2026
Details

As Low As; 76-84 Months

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
6.49%
76 - 84
View
▼
APR6.49%
Term76 - 84
Last UpdatedApr 18, 2026
Details

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.59%
0 - 36
View
▼
APR6.59%
Term0 - 36
Last UpdatedApr 18, 2026
Details

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.64%
Up to 65 months
View
▼
APR6.64%
TermUp to 65 months
Last UpdatedApr 17, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.69%
37 - 48
View
▼
APR6.69%
Term37 - 48
Last UpdatedApr 18, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto
6.69%
60 Months
View
▼
APR6.69%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.74%
66 to 75 months
View
▼
APR6.74%
Term66 to 75 months
Last UpdatedApr 17, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
6.74%
76 - 84 months
View
▼
APR6.74%
Term76 - 84 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2018 - 2021

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto
6.79%
72 Months
View
▼
APR6.79%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.84%
Up to 60 months
View
▼
APR6.84%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.89%
49 - 66
View
▼
APR6.89%
Term49 - 66
Last UpdatedApr 18, 2026
Details

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2016-2022)
6.99%
60 months
View
▼
APR6.99%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
7.09%
67 - 75
View
▼
APR7.09%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto
7.14%
84 Months
View
▼
APR7.14%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
7.29%
76 - 84
View
▼
APR7.29%
Term76 - 84
Last UpdatedApr 18, 2026
Details

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2016-2022)
7.49%
72-75 months
View
▼
APR7.49%
Term72-75 months
Last UpdatedApr 18, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
7.54%
36 to 48 months
View
▼
APR7.54%
Term36 to 48 months
Last UpdatedApr 17, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Used Auto
7.54%
36 Months
View
▼
APR7.54%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto
7.64%
48 Months
View
▼
APR7.64%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedApr 18, 2026
Details

$30,000; As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto
7.74%
60 Months
View
▼
APR7.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto
8.05%
66 Months
View
▼
APR8.05%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.39%
0 - 36
View
▼
APR8.39%
Term0 - 36
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.59%
37 - 48
View
▼
APR8.59%
Term37 - 48
Last UpdatedApr 18, 2026
Details

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
8.75%
36 months
View
▼
APR8.75%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.79%
49 - 66
View
▼
APR8.79%
Term49 - 66
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.99%
67 - 75
View
▼
APR8.99%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
9.19%
76 - 84
View
▼
APR9.19%
Term76 - 84
Last UpdatedApr 18, 2026
Details

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
9.25%
48 months
View
▼
APR9.25%
Term48 months
Last UpdatedApr 18, 2026
Details

As Low As

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
10.00%
60 months
View
▼
APR10.00%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier
10.99%
0 - 36
View
▼
APR10.99%
Term0 - 36
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier
11.19%
37 - 48
View
▼
APR11.19%
Term37 - 48
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier
11.39%
49 - 66
View
▼
APR11.39%
Term49 - 66
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier
11.59%
67 - 75
View
▼
APR11.59%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier
11.79%
76 - 84
View
▼
APR11.79%
Term76 - 84
Last UpdatedApr 18, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto
12.49%
60 Months
View
▼
APR12.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; All other used vehicles

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier
15.49%
0 - 36
View
▼
APR15.49%
Term0 - 36
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier
15.99%
37 - 48
View
▼
APR15.99%
Term37 - 48
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier
16.49%
49 - 66
View
▼
APR16.49%
Term49 - 66
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier
16.99%
67 - 75
View
▼
APR16.99%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
View
▼
APR4.67%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
View
▼
APR5.09%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
View
▼
APR5.69%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
View
▼
APR5.79%
Term75 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
3.25%
36 Months
View
▼
APR3.25%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles
4.00%
Up to 60
View
▼
APR4.00%
TermUp to 60
Last UpdatedApr 19, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
4.19%
36 Months
View
▼
APR4.19%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
4.25%
60 Months
View
▼
APR4.25%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
New Auto
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
4.39%
48 Months
View
▼
APR4.39%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles
4.50%
61 - 72
View
▼
APR4.50%
Term61 - 72
Last UpdatedApr 19, 2026
Details

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
4.74%
12 - 48 months
View
▼
APR4.74%
Term12 - 48 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
4.74%
72-75 months
View
▼
APR4.74%
Term72-75 months
Last UpdatedApr 18, 2026
Details

As Low As

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to36 Months

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.94%
37-48
View
▼
APR4.94%
Term37-48
Last UpdatedApr 19, 2026
Details

As Low As; 37-48 Months

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.09%
60 Months
View
▼
APR5.09%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.19%
72 Months
View
▼
APR5.19%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.19%
0 - 36
View
▼
APR5.19%
Term0 - 36
Last UpdatedApr 18, 2026
Details

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.24%
37 to 66 months
View
▼
APR5.24%
Term37 to 66 months
Last UpdatedApr 17, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.24%
49 - 60 months
View
▼
APR5.24%
Term49 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.24%
49-66
View
▼
APR5.24%
Term49-66
Last UpdatedApr 19, 2026
Details

As Low As; 49-66 Months

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.39%
37 - 48
View
▼
APR5.39%
Term37 - 48
Last UpdatedApr 18, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.49%
61 - 75 months
View
▼
APR5.49%
Term61 - 75 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.59%
78 Months
View
▼
APR5.59%
Term78 Months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.59%
0 - 36
View
▼
APR5.59%
Term0 - 36
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.59%
49 - 66
View
▼
APR5.59%
Term49 - 66
Last UpdatedApr 18, 2026
Details

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.74%
49 - 60 months
View
▼
APR5.74%
Term49 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2018 - 2021

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.74%
67-75
View
▼
APR5.74%
Term67-75
Last UpdatedApr 19, 2026
Details

As Low As; 67-75 Months

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.79%
37 - 48
View
▼
APR5.79%
Term37 - 48
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.79%
67 - 75
View
▼
APR5.79%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.89%
84 Months
View
▼
APR5.89%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto
5.89%
36 Months
View
▼
APR5.89%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.94%
76 to 84 months
View
▼
APR5.94%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details

As Low As

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.99%
76 - 84 months
View
▼
APR5.99%
Term76 - 84 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.99%
49 - 66
View
▼
APR5.99%
Term49 - 66
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.99%
76 - 84
View
▼
APR5.99%
Term76 - 84
Last UpdatedApr 18, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto
6.14%
48 Months
View
▼
APR6.14%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
6.24%
61 - 75 months
View
▼
APR6.24%
Term61 - 75 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2018 - 2021

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
6.29%
67 - 75
View
▼
APR6.29%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
6.29%
76-84
View
▼
APR6.29%
Term76-84
Last UpdatedApr 19, 2026
Details

As Low As; 76-84 Months

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
6.49%
76 - 84
View
▼
APR6.49%
Term76 - 84
Last UpdatedApr 18, 2026
Details

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedApr 18, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.59%
0 - 36
View
▼
APR6.59%
Term0 - 36
Last UpdatedApr 18, 2026
Details

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.64%
Up to 65 months
View
▼
APR6.64%
TermUp to 65 months
Last UpdatedApr 17, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.69%
37 - 48
View
▼
APR6.69%
Term37 - 48
Last UpdatedApr 18, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto
6.69%
60 Months
View
▼
APR6.69%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.74%
66 to 75 months
View
▼
APR6.74%
Term66 to 75 months
Last UpdatedApr 17, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
6.74%
76 - 84 months
View
▼
APR6.74%
Term76 - 84 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2018 - 2021

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto
6.79%
72 Months
View
▼
APR6.79%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.84%
Up to 60 months
View
▼
APR6.84%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.89%
49 - 66
View
▼
APR6.89%
Term49 - 66
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
7.09%
67 - 75
View
▼
APR7.09%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto
7.14%
84 Months
View
▼
APR7.14%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
7.29%
76 - 84
View
▼
APR7.29%
Term76 - 84
Last UpdatedApr 18, 2026
Details

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
7.54%
36 to 48 months
View
▼
APR7.54%
Term36 to 48 months
Last UpdatedApr 17, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.39%
0 - 36
View
▼
APR8.39%
Term0 - 36
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.59%
37 - 48
View
▼
APR8.59%
Term37 - 48
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.79%
49 - 66
View
▼
APR8.79%
Term49 - 66
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.99%
67 - 75
View
▼
APR8.99%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
9.19%
76 - 84
View
▼
APR9.19%
Term76 - 84
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier
10.99%
0 - 36
View
▼
APR10.99%
Term0 - 36
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier
11.19%
37 - 48
View
▼
APR11.19%
Term37 - 48
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier
11.39%
49 - 66
View
▼
APR11.39%
Term49 - 66
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier
11.59%
67 - 75
View
▼
APR11.59%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier
11.79%
76 - 84
View
▼
APR11.79%
Term76 - 84
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier
15.49%
0 - 36
View
▼
APR15.49%
Term0 - 36
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier
15.99%
37 - 48
View
▼
APR15.99%
Term37 - 48
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier
16.49%
49 - 66
View
▼
APR16.49%
Term49 - 66
Last UpdatedApr 18, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier
16.99%
67 - 75
View
▼
APR16.99%
Term67 - 75
Last UpdatedApr 18, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
View
▼
APR4.67%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
View
▼
APR5.09%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
5.30%
65 months
View
▼
APR5.30%
Term65 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
5.50%
75 months
View
▼
APR5.50%
Term75 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
View
▼
APR5.69%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
5.69%
36 Months
View
▼
APR5.69%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
View
▼
APR5.79%
Term75 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
6.00%
84 months
View
▼
APR6.00%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
6.09%
60 Months
View
▼
APR6.09%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
6.25%
61 - 75 months
View
▼
APR6.25%
Term61 - 75 months
Last UpdatedApr 17, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
6.59%
75 Months
View
▼
APR6.59%
Term75 Months
Last UpdatedApr 19, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.25%
24 Months
View
▼
APR4.25%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less)
4.50%
Up to 60
View
▼
APR4.50%
TermUp to 60
Last UpdatedApr 19, 2026
Details

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (5 - 10 years old)
4.50%
Up to 60
View
▼
APR4.50%
TermUp to 60
Last UpdatedApr 19, 2026
Details

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.55%
36 Months
View
▼
APR4.55%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
4.74%
12 - 48 months
View
▼
APR4.74%
Term12 - 48 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less)
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
5.05%
60 Months
View
▼
APR5.05%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.19%
24 Months
View
▼
APR5.19%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.24%
37 to 66 months
View
▼
APR5.24%
Term37 to 66 months
Last UpdatedApr 17, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.24%
49 - 60 months
View
▼
APR5.24%
Term49 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Auto
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.29%
36 Months
View
▼
APR5.29%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.49%
61 - 75 months
View
▼
APR5.49%
Term61 - 75 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.74%
49 - 60 months
View
▼
APR5.74%
Term49 - 60 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2018 - 2021

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.80%
60 Months
View
▼
APR5.80%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.94%
76 to 84 months
View
▼
APR5.94%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
5.99%
76 - 84 months
View
▼
APR5.99%
Term76 - 84 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2022 - 2027

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
6.14%
84 Months
View
▼
APR6.14%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
6.24%
61 - 75 months
View
▼
APR6.24%
Term61 - 75 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2018 - 2021

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Auto Over 10 Years Old
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.64%
Up to 65 months
View
▼
APR6.64%
TermUp to 65 months
Last UpdatedApr 17, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.74%
66 to 75 months
View
▼
APR6.74%
Term66 to 75 months
Last UpdatedApr 17, 2026
Details

As Low As

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New & Used Automobiles
6.74%
76 - 84 months
View
▼
APR6.74%
Term76 - 84 months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Year: 2018 - 2021

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.84%
Up to 60 months
View
▼
APR6.84%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details

As Low As

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2016-2022)
6.99%
60 months
View
▼
APR6.99%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2016-2022)
7.49%
72-75 months
View
▼
APR7.49%
Term72-75 months
Last UpdatedApr 18, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
7.54%
36 to 48 months
View
▼
APR7.54%
Term36 to 48 months
Last UpdatedApr 17, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Used Auto
7.54%
36 Months
View
▼
APR7.54%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto
7.64%
48 Months
View
▼
APR7.64%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto
7.74%
60 Months
View
▼
APR7.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto
8.05%
66 Months
View
▼
APR8.05%
Term66 Months
Last UpdatedApr 19, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
8.25%
24 months
View
▼
APR8.25%
Term24 months
Last UpdatedApr 18, 2026
Details

As Low As

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
8.75%
36 months
View
▼
APR8.75%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
9.25%
48 months
View
▼
APR9.25%
Term48 months
Last UpdatedApr 18, 2026
Details

As Low As

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
10.00%
60 months
View
▼
APR10.00%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto
12.49%
60 Months
View
▼
APR12.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; All other used vehicles

Rio Rancho, NM Auto Loan Rate Trends

Compare local Rio Rancho, 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.

View Full New Mexico Auto Trends →
New Auto Loan — NM Avg
5.971%
▼ 0.012 vs 7 days ago

New Mexico new auto rates fell 0.012 points over the past 7 days to 5.971% APR.

Used Auto Loan — NM Avg
5.827%
▼ 0.122 vs 7 days ago

New Mexico used auto rates fell 0.122 points over the past 7 days to 5.827% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Rio Rancho, 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 Rio Rancho, 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 Rio Rancho, 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 Rio Rancho, New Mexico?

Based on our current data, some of the lowest auto loan rates available in Rio Rancho, New Mexico include:
  • First Financial Credit Union: 4.67% (New & Used Vehicles (Up to 5 Years Old))
  • Nusenda Federal Credit Union: 4.74% (Used Auto Loans)
  • Rio Grande Credit Union: 4.95% (Auto Refinance)
  • Four Corners Federal Credit Union: 3.25% (New Vehicle)
  • US Eagle Federal Credit Union: 3.99% (Auto Purchase or Refinance)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Rio Rancho, New Mexico. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

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