Auto Loan Rates in Vadito, New Mexico (NM) for June 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 Vadito, New Mexico. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Vadito, New Mexico include Four Corners Federal Credit UnionFour Corners Federal Credit UnionA+5.0 ★Texas Ratio: 1.61% offering New Vehicle Loan at 3.25%, Northern New Mexico School Employees Federal Credit UnionNorthern New Mexico School Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.64% offering A+ Auto Loan at 3.75%, US Eagle Federal Credit UnionUS Eagle Federal Credit UnionF1.5 ★Texas Ratio: 42.99% offering Auto Purchase or Refinance at 3.99%, State Employees Credit UnionState Employees Credit UnionC3.8 ★Texas Ratio: 26.10% offering Auto Loans at 3.99%, Chaves County School Employees Credit UnionChaves County School Employees Credit UnionA+5.0 ★Texas Ratio: 0.02% offering New Vehicles Loan at 4.00%. Auto loan rates as of May 31, 2026 according to verified data from MonitorBankRates.
Vadito borrowers have access to 20 lenders serving the New Mexico area, with auto loan rates as low as 3.25% APR from Four Corners Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Vadito, New Mexico. Auto Loan Rates Last Updated and Verified: May 31, 2026
Compare Auto Loan Rates Today in Vadito, New Mexico & Surrounding Area
Vadito 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%
New Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
A+ Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
Range: 740 and UP
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
Auto Purchase or Refinance
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 17, 2026
Details
As low as
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 17, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Auto Loans
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
4.00%
Up to 60
▼
APR4.00%
TermUp to 60
Last UpdatedMay 31, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
A Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 22, 2026
Details
Range: 700 - 739
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMay 23, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
4.50%
61 - 72
▼
APR4.50%
Term61 - 72
Last UpdatedMay 31, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less) Loan
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedMay 31, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (5 - 10 years old) Loan
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedMay 31, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.55%
36 Months
▼
APR4.55%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
GECU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loan
4.59%
66 Months
▼
APR4.59%
Term66 Months
Last UpdatedMay 23, 2026
Details
As Low As; Now-July 7
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
4.59%
Up to 72 months
▼
APR4.59%
TermUp to 72 months
Last UpdatedMay 29, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.64%
Up to 36 months
▼
APR4.64%
TermUp to 36 months
Last UpdatedMay 29, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 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: 4.33%
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
APR4.74%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to36 Months
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
4.74%
72-75 months
▼
APR4.74%
Term72-75 months
Last UpdatedMay 23, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
4.74%
12 - 48
▼
APR4.74%
Term12 - 48
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
A+ Auto Loan
4.75%
49 - 60
▼
APR4.75%
Term49 - 60
Last UpdatedMay 22, 2026
Details
Range: 740 and UP
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMay 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: 4.33%
Used Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
APR4.94%
Term37-48
Last UpdatedMay 18, 2026
Details
As Low As; 37-48 Months
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Vehicle Loan
4.95%
36 Months
▼
APR4.95%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; APR=Annual Percentage Rate, effective for current and past three model years. We have good rates for older models as well. Rates are 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. 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.
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.99%
37-48 months
▼
APR4.99%
Term37-48 months
Last UpdatedMay 29, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedMay 30, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedMay 30, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 30, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
A+ Auto Loan
5.00%
61 - 72
▼
APR5.00%
Term61 - 72
Last UpdatedMay 22, 2026
Details
Range: 740 and UP
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less) Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 31, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.15%
49-60 months
▼
APR5.15%
Term49-60 months
Last UpdatedMay 29, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedMay 29, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
5.19%
Up to 72 months
▼
APR5.19%
TermUp to 72 months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier Loan
5.19%
0 - 36
▼
APR5.19%
Term0 - 36
Last UpdatedMay 29, 2026
Details
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedMay 17, 2026
Details
As Low As
APR5.24%
Term49-66
Last UpdatedMay 18, 2026
Details
As Low As; 49-66 Months
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.24%
49 - 60
▼
APR5.24%
Term49 - 60
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 30, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 30, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMay 30, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
A Auto Loan
5.25%
49 - 60
▼
APR5.25%
Term49 - 60
Last UpdatedMay 22, 2026
Details
Range: 700 - 739
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Auto Loans
5.30%
65 months
▼
APR5.30%
Term65 months
Last UpdatedMay 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: 4.33%
Used Auto Loans
5.30%
65 months
▼
APR5.30%
Term65 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.35%
61-72 months
▼
APR5.35%
Term61-72 months
Last UpdatedMay 29, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.39%
78 Months
▼
APR5.39%
Term78 Months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier Loan
5.39%
37 - 48
▼
APR5.39%
Term37 - 48
Last UpdatedMay 29, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle (2023 - 2027) Loan
5.39%
66 Months
▼
APR5.39%
Term66 Months
Last UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
5.39%
66 Months
▼
APR5.39%
Term66 Months
Last UpdatedMay 31, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.49%
61 - 75
▼
APR5.49%
Term61 - 75
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle (Cost Loan
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 31, 2026
Details
over $15,000
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 31, 2026
Details
As Low As; Cost over $15,000
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Auto Loans
5.50%
75 months
▼
APR5.50%
Term75 months
Last UpdatedMay 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: 4.33%
Used Auto Loans
5.50%
75 months
▼
APR5.50%
Term75 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
A Auto Loan
5.50%
61 - 72
▼
APR5.50%
Term61 - 72
Last UpdatedMay 22, 2026
Details
Range: 700 - 739
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier Loan
5.59%
0 - 36
▼
APR5.59%
Term0 - 36
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier Loan
5.59%
49 - 66
▼
APR5.59%
Term49 - 66
Last UpdatedMay 29, 2026
Details
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Vehicle Loan
5.65%
48 Months
▼
APR5.65%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; APR=Annual Percentage Rate, effective for current and past three model years. We have good rates for older models as well. Rates are 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. 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: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old)
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
APR5.74%
Term67-75
Last UpdatedMay 18, 2026
Details
As Low As; 67-75 Months
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.74%
49 - 60
▼
APR5.74%
Term49 - 60
Last UpdatedMay 29, 2026
Details
As Low As; 2018 - 2021
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Auto Loans
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
A+ Auto Loan
5.75%
73 - 84
▼
APR5.75%
Term73 - 84
Last UpdatedMay 22, 2026
Details
Range: 740 and UP
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
B Auto Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
Range: 660 - 699
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Vehicle Loan
5.75%
65 Months
▼
APR5.75%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As; APR=Annual Percentage Rate, effective for current and past three model years. We have good rates for older models as well. Rates are 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. 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.
APR5.75%
Term73-84 months
Last UpdatedMay 29, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier Loan
5.79%
37 - 48
▼
APR5.79%
Term37 - 48
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier Loan
5.79%
67 - 75
▼
APR5.79%
Term67 - 75
Last UpdatedMay 29, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Vehicle Loan
5.85%
75 Months
▼
APR5.85%
Term75 Months
Last UpdatedMay 23, 2026
Details
As Low As; APR=Annual Percentage Rate, effective for current and past three model years. We have good rates for older models as well. Rates are 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. 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.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
5.89%
36 Months
▼
APR5.89%
Term36 Months
Last UpdatedMay 23, 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: 1.09%
New Auto
5.89%
84 Months
▼
APR5.89%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old)
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier Loan
5.99%
49 - 66
▼
APR5.99%
Term49 - 66
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier Loan
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMay 29, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMay 30, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Auto Loans
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedMay 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: 4.33%
Used Auto Loans
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedMay 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: 9.53%
Vehicle Loan
6.05%
84 Months
▼
APR6.05%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; APR=Annual Percentage Rate, effective for current and past three model years. We have good rates for older models as well. Rates are 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. 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: 9.59%
Used Vehicles (5-7 Years Old)
6.09%
60 Months
▼
APR6.09%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.14%
48 Months
▼
APR6.14%
Term48 Months
Last UpdatedMay 23, 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: 1.09%
Used Auto
6.14%
84 Months
▼
APR6.14%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
6.24%
61 - 75
▼
APR6.24%
Term61 - 75
Last UpdatedMay 29, 2026
Details
As Low As; 2018 - 2021
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Auto Loans
6.25%
90 months
▼
APR6.25%
Term90 months
Last UpdatedMay 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: 4.33%
Used Auto Loans
6.25%
90 months
▼
APR6.25%
Term90 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
A Auto Loan
6.25%
73 - 84
▼
APR6.25%
Term73 - 84
Last UpdatedMay 22, 2026
Details
Range: 700 - 739
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
B Auto Loan
6.25%
49 - 60
▼
APR6.25%
Term49 - 60
Last UpdatedMay 22, 2026
Details
Range: 660 - 699
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 22, 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
▼
APR6.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
APR6.29%
Term76-84
Last UpdatedMay 18, 2026
Details
As Low As; 76-84 Months
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier Loan
6.29%
67 - 75
▼
APR6.29%
Term67 - 75
Last UpdatedMay 29, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle (Cost Loan
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 31, 2026
Details
over $25,000
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As; Cost over $25,000
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 23, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier Loan
6.49%
76 - 84
▼
APR6.49%
Term76 - 84
Last UpdatedMay 29, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old)
6.59%
75 Months
▼
APR6.59%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier Loan
6.59%
0 - 36
▼
APR6.59%
Term0 - 36
Last UpdatedMay 29, 2026
Details
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedMay 17, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.69%
60 Months
▼
APR6.69%
Term60 Months
Last UpdatedMay 23, 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: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier Loan
6.69%
37 - 48
▼
APR6.69%
Term37 - 48
Last UpdatedMay 29, 2026
Details
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedMay 17, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
6.74%
76 - 84
▼
APR6.74%
Term76 - 84
Last UpdatedMay 29, 2026
Details
As Low As; 2018 - 2021
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
B Auto Loan
6.75%
61 - 72
▼
APR6.75%
Term61 - 72
Last UpdatedMay 22, 2026
Details
Range: 660 - 699
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedMay 23, 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: 42.99%
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedMay 17, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier Loan
6.89%
49 - 66
▼
APR6.89%
Term49 - 66
Last UpdatedMay 29, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2016-2022)
6.99%
60 months
▼
APR6.99%
Term60 months
Last UpdatedMay 23, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Used Auto
7.04%
24 Months
▼
APR7.04%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier Loan
7.09%
67 - 75
▼
APR7.09%
Term67 - 75
Last UpdatedMay 29, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Loan
7.09%
84 Months
▼
APR7.09%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As; Max Mileage 65K
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Max Mileage 65K (2019-2022) Loan
7.09%
84 Months
▼
APR7.09%
Term84 Months
Last UpdatedMay 31, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
7.14%
84 Months
▼
APR7.14%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Auto Loans
7.25%
76-90 months
▼
APR7.25%
Term76-90 months
Last UpdatedMay 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: 4.33%
Used Auto Loans
7.25%
76-90 months
▼
APR7.25%
Term76-90 months
Last UpdatedMay 17, 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%
New Powersports Vehicle Loan
7.29%
60 Months
▼
APR7.29%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier Loan
7.29%
76 - 84
▼
APR7.29%
Term76 - 84
Last UpdatedMay 29, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2016-2022)
7.49%
72-75 months
▼
APR7.49%
Term72-75 months
Last UpdatedMay 23, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
7.49%
72 Months
▼
APR7.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Used Auto
7.54%
36 Months
▼
APR7.54%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle (2018 and older) Loan
7.59%
75 Months
▼
APR7.59%
Term75 Months
Last UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Loan
7.59%
75 Months
▼
APR7.59%
Term75 Months
Last UpdatedMay 31, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Late Model Used Auto
7.64%
48 Months
▼
APR7.64%
Term48 Months
Last UpdatedMay 23, 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: 10.69%
Late Model Used Auto
7.74%
60 Months
▼
APR7.74%
Term60 Months
Last UpdatedMay 23, 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: 7.26%
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMay 30, 2026
Details
$30,000; As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
B Auto Loan
7.75%
73 - 84
▼
APR7.75%
Term73 - 84
Last UpdatedMay 22, 2026
Details
Range: 660 - 699
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
C Auto Loan
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
Range: 620 - 659
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
7.99%
84 Months
▼
APR7.99%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
7.99%
48 Months
▼
APR7.99%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Late Model Used Auto
8.05%
66 Months
▼
APR8.05%
Term66 Months
Last UpdatedMay 23, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
C Auto Loan
8.25%
49 - 60
▼
APR8.25%
Term49 - 60
Last UpdatedMay 22, 2026
Details
Range: 620 - 659
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedMay 23, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.29%
60 Months
▼
APR8.29%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier Loan
8.39%
0 - 36
▼
APR8.39%
Term0 - 36
Last UpdatedMay 29, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.49%
72 Months
▼
APR8.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier Loan
8.59%
37 - 48
▼
APR8.59%
Term37 - 48
Last UpdatedMay 29, 2026
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
C Auto Loan
8.75%
61 - 72
▼
APR8.75%
Term61 - 72
Last UpdatedMay 22, 2026
Details
Range: 620 - 659
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
8.75%
36 months
▼
APR8.75%
Term36 months
Last UpdatedMay 23, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier Loan
8.79%
49 - 66
▼
APR8.79%
Term49 - 66
Last UpdatedMay 29, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.99%
84 Months
▼
APR8.99%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier Loan
8.99%
67 - 75
▼
APR8.99%
Term67 - 75
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier Loan
9.19%
76 - 84
▼
APR9.19%
Term76 - 84
Last UpdatedMay 29, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
9.25%
48 months
▼
APR9.25%
Term48 months
Last UpdatedMay 23, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
C Auto Loan
9.75%
73 - 84
▼
APR9.75%
Term73 - 84
Last UpdatedMay 22, 2026
Details
Range: 620 - 659
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
10.00%
60 months
▼
APR10.00%
Term60 months
Last UpdatedMay 23, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier Loan
10.99%
0 - 36
▼
APR10.99%
Term0 - 36
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier Loan
11.19%
37 - 48
▼
APR11.19%
Term37 - 48
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier Loan
11.39%
49 - 66
▼
APR11.39%
Term49 - 66
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier Loan
11.59%
67 - 75
▼
APR11.59%
Term67 - 75
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier Loan
11.79%
76 - 84
▼
APR11.79%
Term76 - 84
Last UpdatedMay 29, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Late Model Used Auto
12.49%
60 Months
▼
APR12.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; All other used vehicles
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
D Auto Loan
14.00%
48 Months
▼
APR14.00%
Term48 Months
Last UpdatedMay 22, 2026
Details
Range: 580 - 619
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
D Auto Loan
14.50%
49 - 60
▼
APR14.50%
Term49 - 60
Last UpdatedMay 22, 2026
Details
Range: 580 - 619
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
D Auto Loan
15.00%
61 - 72
▼
APR15.00%
Term61 - 72
Last UpdatedMay 22, 2026
Details
Range: 580 - 619
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier Loan
15.49%
0 - 36
▼
APR15.49%
Term0 - 36
Last UpdatedMay 29, 2026
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
D Auto Loan
15.50%
73 - 84
▼
APR15.50%
Term73 - 84
Last UpdatedMay 22, 2026
Details
Range: 580 - 619
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier Loan
15.99%
37 - 48
▼
APR15.99%
Term37 - 48
Last UpdatedMay 29, 2026
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
E Auto Loan
16.00%
48 Months
▼
APR16.00%
Term48 Months
Last UpdatedMay 22, 2026
Details
Range: 540 - 579
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier Loan
16.49%
49 - 66
▼
APR16.49%
Term49 - 66
Last UpdatedMay 29, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
First Time Auto Buyer
16.99%
75 Months
▼
APR16.99%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As; $20,000 max
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier Loan
16.99%
67 - 75
▼
APR16.99%
Term67 - 75
Last UpdatedMay 29, 2026
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Subprime Auto Loan
18.00%
48 Months
▼
APR18.00%
Term48 Months
Last UpdatedMay 22, 2026
Details
Range: 539 and less
Powered by
MonitorBankRates
Vadito 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%
New Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 17, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
4.00%
Up to 60
▼
APR4.00%
TermUp to 60
Last UpdatedMay 31, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMay 23, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
4.50%
61 - 72
▼
APR4.50%
Term61 - 72
Last UpdatedMay 31, 2026
Details
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.64%
Up to 36 months
▼
APR4.64%
TermUp to 36 months
Last UpdatedMay 29, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
APR4.74%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to36 Months
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
4.74%
72-75 months
▼
APR4.74%
Term72-75 months
Last UpdatedMay 23, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
4.74%
12 - 48
▼
APR4.74%
Term12 - 48
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
APR4.94%
Term37-48
Last UpdatedMay 18, 2026
Details
As Low As; 37-48 Months
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.99%
37-48 months
▼
APR4.99%
Term37-48 months
Last UpdatedMay 29, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedMay 30, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedMay 30, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.15%
49-60 months
▼
APR5.15%
Term49-60 months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier Loan
5.19%
0 - 36
▼
APR5.19%
Term0 - 36
Last UpdatedMay 29, 2026
Details
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedMay 17, 2026
Details
As Low As
APR5.24%
Term49-66
Last UpdatedMay 18, 2026
Details
As Low As; 49-66 Months
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.24%
49 - 60
▼
APR5.24%
Term49 - 60
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 30, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.35%
61-72 months
▼
APR5.35%
Term61-72 months
Last UpdatedMay 29, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.39%
78 Months
▼
APR5.39%
Term78 Months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier Loan
5.39%
37 - 48
▼
APR5.39%
Term37 - 48
Last UpdatedMay 29, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle (2023 - 2027) Loan
5.39%
66 Months
▼
APR5.39%
Term66 Months
Last UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
5.39%
66 Months
▼
APR5.39%
Term66 Months
Last UpdatedMay 31, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.49%
61 - 75
▼
APR5.49%
Term61 - 75
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle (Cost Loan
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 31, 2026
Details
over $15,000
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 31, 2026
Details
As Low As; Cost over $15,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier Loan
5.59%
0 - 36
▼
APR5.59%
Term0 - 36
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier Loan
5.59%
49 - 66
▼
APR5.59%
Term49 - 66
Last UpdatedMay 29, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMay 20, 2026
Details
As Low As
APR5.74%
Term67-75
Last UpdatedMay 18, 2026
Details
As Low As; 67-75 Months
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.74%
49 - 60
▼
APR5.74%
Term49 - 60
Last UpdatedMay 29, 2026
Details
As Low As; 2018 - 2021
APR5.75%
Term73-84 months
Last UpdatedMay 29, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier Loan
5.79%
37 - 48
▼
APR5.79%
Term37 - 48
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier Loan
5.79%
67 - 75
▼
APR5.79%
Term67 - 75
Last UpdatedMay 29, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
5.89%
36 Months
▼
APR5.89%
Term36 Months
Last UpdatedMay 23, 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: 1.09%
New Auto
5.89%
84 Months
▼
APR5.89%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier Loan
5.99%
49 - 66
▼
APR5.99%
Term49 - 66
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier Loan
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMay 29, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.14%
48 Months
▼
APR6.14%
Term48 Months
Last UpdatedMay 23, 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: 1.12%
New & Used Automobiles
6.24%
61 - 75
▼
APR6.24%
Term61 - 75
Last UpdatedMay 29, 2026
Details
As Low As; 2018 - 2021
APR6.29%
Term76-84
Last UpdatedMay 18, 2026
Details
As Low As; 76-84 Months
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier Loan
6.29%
67 - 75
▼
APR6.29%
Term67 - 75
Last UpdatedMay 29, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle (Cost Loan
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 31, 2026
Details
over $25,000
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As; Cost over $25,000
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 23, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED A Tier Loan
6.49%
76 - 84
▼
APR6.49%
Term76 - 84
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier Loan
6.59%
0 - 36
▼
APR6.59%
Term0 - 36
Last UpdatedMay 29, 2026
Details
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedMay 17, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.69%
60 Months
▼
APR6.69%
Term60 Months
Last UpdatedMay 23, 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: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier Loan
6.69%
37 - 48
▼
APR6.69%
Term37 - 48
Last UpdatedMay 29, 2026
Details
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedMay 17, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
6.74%
76 - 84
▼
APR6.74%
Term76 - 84
Last UpdatedMay 29, 2026
Details
As Low As; 2018 - 2021
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedMay 23, 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: 42.99%
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedMay 17, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier Loan
6.89%
49 - 66
▼
APR6.89%
Term49 - 66
Last UpdatedMay 29, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier Loan
7.09%
67 - 75
▼
APR7.09%
Term67 - 75
Last UpdatedMay 29, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
7.14%
84 Months
▼
APR7.14%
Term84 Months
Last UpdatedMay 23, 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: 1.09%
New Powersports Vehicle Loan
7.29%
60 Months
▼
APR7.29%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED B Tier Loan
7.29%
76 - 84
▼
APR7.29%
Term76 - 84
Last UpdatedMay 29, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
7.49%
72 Months
▼
APR7.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
7.99%
84 Months
▼
APR7.99%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier Loan
8.39%
0 - 36
▼
APR8.39%
Term0 - 36
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier Loan
8.59%
37 - 48
▼
APR8.59%
Term37 - 48
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier Loan
8.79%
49 - 66
▼
APR8.79%
Term49 - 66
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier Loan
8.99%
67 - 75
▼
APR8.99%
Term67 - 75
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED C Tier Loan
9.19%
76 - 84
▼
APR9.19%
Term76 - 84
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier Loan
10.99%
0 - 36
▼
APR10.99%
Term0 - 36
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier Loan
11.19%
37 - 48
▼
APR11.19%
Term37 - 48
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier Loan
11.39%
49 - 66
▼
APR11.39%
Term49 - 66
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier Loan
11.59%
67 - 75
▼
APR11.59%
Term67 - 75
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED D Tier Loan
11.79%
76 - 84
▼
APR11.79%
Term76 - 84
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier Loan
15.49%
0 - 36
▼
APR15.49%
Term0 - 36
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier Loan
15.99%
37 - 48
▼
APR15.99%
Term37 - 48
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier Loan
16.49%
49 - 66
▼
APR16.49%
Term49 - 66
Last UpdatedMay 29, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED E Tier Loan
16.99%
67 - 75
▼
APR16.99%
Term67 - 75
Last UpdatedMay 29, 2026
Details
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MonitorBankRates
Vadito 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%
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 17, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMay 22, 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) Loan
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedMay 31, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (5 - 10 years old) Loan
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedMay 31, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.55%
36 Months
▼
APR4.55%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
4.59%
Up to 72 months
▼
APR4.59%
TermUp to 72 months
Last UpdatedMay 29, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.64%
Up to 36 months
▼
APR4.64%
TermUp to 36 months
Last UpdatedMay 29, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 17, 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%
New & Used Automobiles
4.74%
12 - 48
▼
APR4.74%
Term12 - 48
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.99%
37-48 months
▼
APR4.99%
Term37-48 months
Last UpdatedMay 29, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedMay 30, 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) Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 31, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.15%
49-60 months
▼
APR5.15%
Term49-60 months
Last UpdatedMay 29, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedMay 29, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
5.19%
Up to 72 months
▼
APR5.19%
TermUp to 72 months
Last UpdatedMay 29, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedMay 17, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.24%
49 - 60
▼
APR5.24%
Term49 - 60
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loans
5.30%
65 months
▼
APR5.30%
Term65 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.35%
61-72 months
▼
APR5.35%
Term61-72 months
Last UpdatedMay 29, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.49%
61 - 75
▼
APR5.49%
Term61 - 75
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loans
5.50%
75 months
▼
APR5.50%
Term75 months
Last UpdatedMay 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: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old)
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.74%
49 - 60
▼
APR5.74%
Term49 - 60
Last UpdatedMay 29, 2026
Details
As Low As; 2018 - 2021
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedMay 17, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old)
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMay 29, 2026
Details
As Low As; 2022 - 2027
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loans
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedMay 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: 9.59%
Used Vehicles (5-7 Years Old)
6.09%
60 Months
▼
APR6.09%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
6.14%
84 Months
▼
APR6.14%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
6.24%
61 - 75
▼
APR6.24%
Term61 - 75
Last UpdatedMay 29, 2026
Details
As Low As; 2018 - 2021
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loans
6.25%
90 months
▼
APR6.25%
Term90 months
Last UpdatedMay 17, 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%
Used Vehicle Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 22, 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
▼
APR6.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old)
6.59%
75 Months
▼
APR6.59%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedMay 17, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedMay 17, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
6.74%
76 - 84
▼
APR6.74%
Term76 - 84
Last UpdatedMay 29, 2026
Details
As Low As; 2018 - 2021
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedMay 17, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2016-2022)
6.99%
60 months
▼
APR6.99%
Term60 months
Last UpdatedMay 23, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Used Auto
7.04%
24 Months
▼
APR7.04%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Loan
7.09%
84 Months
▼
APR7.09%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As; Max Mileage 65K
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Max Mileage 65K (2019-2022) Loan
7.09%
84 Months
▼
APR7.09%
Term84 Months
Last UpdatedMay 31, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loans
7.25%
76-90 months
▼
APR7.25%
Term76-90 months
Last UpdatedMay 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2016-2022)
7.49%
72-75 months
▼
APR7.49%
Term72-75 months
Last UpdatedMay 23, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedMay 17, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Used Auto
7.54%
36 Months
▼
APR7.54%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle (2018 and older) Loan
7.59%
75 Months
▼
APR7.59%
Term75 Months
Last UpdatedMay 31, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Loan
7.59%
75 Months
▼
APR7.59%
Term75 Months
Last UpdatedMay 31, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Late Model Used Auto
7.64%
48 Months
▼
APR7.64%
Term48 Months
Last UpdatedMay 23, 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: 10.69%
Late Model Used Auto
7.74%
60 Months
▼
APR7.74%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
7.99%
48 Months
▼
APR7.99%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Late Model Used Auto
8.05%
66 Months
▼
APR8.05%
Term66 Months
Last UpdatedMay 23, 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: 4.43%
Used Auto Loan (2015 and older)
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedMay 23, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.29%
60 Months
▼
APR8.29%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.49%
72 Months
▼
APR8.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
8.75%
36 months
▼
APR8.75%
Term36 months
Last UpdatedMay 23, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.99%
84 Months
▼
APR8.99%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
9.25%
48 months
▼
APR9.25%
Term48 months
Last UpdatedMay 23, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
10.00%
60 months
▼
APR10.00%
Term60 months
Last UpdatedMay 23, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Late Model Used Auto
12.49%
60 Months
▼
APR12.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; All other used vehicles
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MonitorBankRates
Vadito, NM Auto Loan Rate Trends
Compare local Vadito, 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 Auto Loan — NM Avg
5.740%
▼ 0.010 vs 7 days ago
New Mexico new auto rates fell 0.010 points over the past 7 days to 5.740% APR.
Used Auto Loan — NM Avg
6.012%
▲ 0.053 vs 7 days ago
New Mexico used auto rates rose 0.053 points over the past 7 days to 6.012% APR.
As of Jun 4, 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 Vadito, 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 Vadito, 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 Vadito, 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 Vadito, 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 Vadito, 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 Vadito, 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 Vadito, New Mexico?
Based on our current data, some of the lowest auto loan rates available in Vadito, New Mexico include:
- Four Corners Federal Credit Union: 3.25% (New Vehicle Loan)
- Northern New Mexico School Employees Federal Credit Union: 3.75% (A+ Auto Loan)
- US Eagle Federal Credit Union: 3.99% (Auto Purchase or Refinance)
- State Employees Credit Union: 3.99% (Auto Loans)
- Chaves County School Employees Credit Union: 4.00% (New Vehicles Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Vadito, New Mexico. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 31, 2026
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