Best Personal Loan Rates in New Mexico (NM) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to New Mexico borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in New Mexico include: LOCO Credit UnionLOCO Credit Union808 Washington Ave, Alamogordo, NM, 88310 5166A+5.0 ★Texas Ratio: 2.76% offering Share Secured/Credit Builder Loans at 4.00% APR, Northern New Mexico School Employees Federal Credit UnionNorthern New Mexico School Employees Federal Credit Union614 Alta Vista St, Santa Fe, NM, 87505A+5.0 ★Texas Ratio: 1.72% offering Consumer Loan at 4.25% APR, Otero Federal Credit UnionOtero Federal Credit Union3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310A+5.0 ★Texas Ratio: 1.15% offering EcoFriendly Loan at 5.99% APR, America First Federal Credit UnionAmerica First Federal Credit Union3400 NM 528 NW, Albuquerque, NM, 87114A5.0 ★Texas Ratio: 8.12% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, and Mountain America Federal Credit UnionMountain America Federal Credit Union9200 Golf Course Rd NW, Albuquerque, NM, 87114 5891A5.0 ★Texas Ratio: 11.38% offering Construction loan at 7.25% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across New Mexico side-by-side. New Mexico personal loan rates currently start as low as 4.00% APR from LOCO Credit Union at 808 Washington Ave, Alamogordo, NM, 88310 5166. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in New Mexico.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in New Mexico. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 6, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
808 Washington Ave, Alamogordo, NM, 88310 5166
Share Secured/Credit Builder Loans
4.00%
▼
APR4.00%
Last UpdatedApril 7, 2026
Details
Dividend rate earned plus
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
4.25%
▼
APR4.25%
Last UpdatedApril 7, 2026
Details
Range: 700 - 739, Type: A
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
4.75%
▼
APR4.75%
Last UpdatedApril 7, 2026
Details
Range: 740 and UP, Type: A+
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
5.00%
▼
APR5.00%
Last UpdatedApril 7, 2026
Details
Range: 740 and UP, Type: A+
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
5.25%
▼
APR5.25%
Last UpdatedApril 7, 2026
Details
Range: 700 - 739, Type: A
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
5.50%
▼
APR5.50%
Last UpdatedApril 7, 2026
Details
Range: 700 - 739, Type: A
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
5.75%
▼
APR5.75%
Last UpdatedApril 7, 2026
Details
Range: 740 and UP, Type: A+
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
EcoFriendly Loan
5.99%
▼
APR5.99%
Last UpdatedApril 7, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
6.25%
▼
APR6.25%
Last UpdatedApril 7, 2026
Details
Range: 700 - 739, Type: A
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Recreational Loans
6.75%
▼
APR6.75%
Last UpdatedApril 7, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
6.75%
▼
APR6.75%
Last UpdatedApril 7, 2026
Details
Range: 660 - 699, Type: B
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedApril 7, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedApril 7, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedApril 7, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
9200 Golf Course Rd NW, Albuquerque, NM, 87114 5891
Construction loan
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedApril 7, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Anything Loan
7.35%
▼
APR7.35%
Last UpdatedApril 7, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedApril 7, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedApril 7, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
7.75%
▼
APR7.75%
Last UpdatedApril 7, 2026
Details
Range: 660 - 699, Type: B
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
8.25%
▼
APR8.25%
Last UpdatedApril 7, 2026
Details
Range: 620 - 659, Type: C
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
808 Washington Ave, Alamogordo, NM, 88310 5166
Holiday Loan
8.25%
▼
APR8.25%
Last UpdatedApril 7, 2026
Details
As Low As; $1500.00 Max. Oct. 1 - Jan. 31
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Land Loan
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
Valid for raw land five (5) acres or less in the counties of Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Dona Ana, Rio Arriba, Mora, San Miguel, and Los Alamos. Land loans are fixed rate loan products. A full appraisal and survey will be required on all land loans and normal closing costs, origination fees, application fees, and title insurance are required. See a representative for details.
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Land Loans
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
808 Washington Ave, Alamogordo, NM, 88310 5166
Vacation Loan
8.50%
▼
APR8.50%
Last UpdatedApril 7, 2026
Details
As Low As; $2,500.00 Max
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
Range: 620 - 659, Type: C
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Energy Efficiency Loans
8.90%
▼
APR8.90%
Last UpdatedApril 7, 2026
Details
Tier Level: A+ (Equifax Score 750+)
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Personal Unsecured
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Signature
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
505 E Route 66 Blvd, Tucumcari, NM, 88401 3137
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
505 E Route 66 Blvd, Tucumcari, NM, 88401 3137
Signature Loan
9.24%
▼
APR9.24%
Last UpdatedApril 7, 2026
Details
As Low As; Regular APR: 18.00%
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Renovation Loan
9.31%
▼
APR9.31%
Last UpdatedApril 7, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
Signature
9.40%
▼
APR9.40%
Last UpdatedApril 7, 2026
Details
Signature
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
Tier Level: A+ (Equifax Score 750+)
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Signature
9.59%
▼
APR9.59%
Last UpdatedApril 7, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
740 and UP
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
Range: 620 - 659, Type: C
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Platinum Unsecured Loan
9.90%
▼
APR9.90%
Last UpdatedApril 7, 2026
Details
Minimum $5,000 Limit
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Closed-End Signature
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
Credit Rebuilder Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
10.00%
▼
APR10.00%
Last UpdatedApril 7, 2026
Details
As Low As; Also commonly called personal or unsecured loans; Perfect for debt consolidation, unplanned expenses, or big purchases; Competitive rates from 10% to 18% APR; Funds are deposited into your checking or savings account
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal loans
10.25%
▼
APR10.25%
Last UpdatedApril 7, 2026
Details
As Low As
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 7, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
10.25%
▼
APR10.25%
Last UpdatedApril 7, 2026
Details
740 and UP
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
10.49%
▼
APR10.49%
Last UpdatedApril 7, 2026
Details
Tier Level: A (Equifax Score 700-749)
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedApril 7, 2026
Details
Up to $50,000 Signature Loan
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedApril 7, 2026
Details
As Low As
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM, 87507
Unsecured Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 7, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 7, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 7, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
Signature Loans
10.74%
▼
APR10.74%
Last UpdatedApril 7, 2026
Details
No additional details available.
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As low as
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
up to $2,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
740 and UP
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
700 - 739
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
Signature - Uncollateralized
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
Tier Level: A+ (Equifax Score 750+)
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Open-End Signature
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 7, 2026
Details
up to $6,000
Questa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
2433 NM 522, Questa, NM, 87556
Signature
11.00%
▼
APR11.00%
Last UpdatedApril 7, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
700 - 739
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
740 and UP
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
up to $8,000
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
11.49%
▼
APR11.49%
Last UpdatedApril 7, 2026
Details
Tier Level: A (Equifax Score 700-749)
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier A
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Personal Loans
11.55%
▼
APR11.55%
Last UpdatedApril 7, 2026
Details
As Low As; On Approved Credit
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
11.75%
▼
APR11.75%
Last UpdatedApril 7, 2026
Details
700 - 739
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedApril 7, 2026
Details
up to $12,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
11.99%
▼
APR11.99%
Last UpdatedApril 7, 2026
Details
Tier Level: B (Equifax Score 660-699)
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedApril 7, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedApril 7, 2026
Details
up to $6,000
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM, 88011
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
210 E Idaho Ave, Las Cruces, NM, 88005 3279
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedApril 7, 2026
Details
As Low As; Starting at 12.00% - 18.00% APR
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
12.25%
▼
APR12.25%
Last UpdatedApril 7, 2026
Details
700 - 739
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Traditional Unsecured Loan
12.25%
▼
APR12.25%
Last UpdatedApril 7, 2026
Details
Minimum $500 Limit
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
PERSONAL
12.49%
▼
APR12.49%
Last UpdatedApril 7, 2026
Details
As Low As; Fixed
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 7, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 7, 2026
Details
up to $24,000
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
808 Washington Ave, Alamogordo, NM, 88310 5166
Wha What? Loan
12.75%
▼
APR12.75%
Last UpdatedApril 7, 2026
Details
As Low As; $2,500.00 Max
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
12.99%
▼
APR12.99%
Last UpdatedApril 7, 2026
Details
Tier Level: B (Equifax Score 660-699)
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
13.00%
▼
APR13.00%
Last UpdatedApril 7, 2026
Details
660 - 699
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedApril 7, 2026
Details
up to $8,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.25%
▼
APR13.25%
Last UpdatedApril 7, 2026
Details
up to $12,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
13.49%
▼
APR13.49%
Last UpdatedApril 7, 2026
Details
Tier Level: B (Equifax Score 660-699)
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
13.50%
▼
APR13.50%
Last UpdatedApril 7, 2026
Details
660 - 699
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.50%
▼
APR13.50%
Last UpdatedApril 7, 2026
Details
up to $16,000
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier B
13.50%
▼
APR13.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Emergency Loan
14.00%
▼
APR14.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
14.00%
▼
APR14.00%
Last UpdatedApril 7, 2026
Details
660 - 699
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
14.00%
▼
APR14.00%
Last UpdatedApril 7, 2026
Details
Range: 580 - 619, Type: D
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
14.24%
▼
APR14.24%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
14.24%
▼
APR14.24%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
14.50%
▼
APR14.50%
Last UpdatedApril 7, 2026
Details
Range: 580 - 619, Type: D
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
14.50%
▼
APR14.50%
Last UpdatedApril 7, 2026
Details
660 - 699
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
14.74%
▼
APR14.74%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
14.74%
▼
APR14.74%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
14.75%
▼
APR14.75%
Last UpdatedApril 7, 2026
Details
up to $2,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
15.00%
▼
APR15.00%
Last UpdatedApril 7, 2026
Details
Range: 580 - 619, Type: D
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
15.49%
▼
APR15.49%
Last UpdatedApril 7, 2026
Details
Tier Level: C (Equifax Score 600-659)
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
15.50%
▼
APR15.50%
Last UpdatedApril 7, 2026
Details
Range: 580 - 619, Type: D
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
15.50%
▼
APR15.50%
Last UpdatedApril 7, 2026
Details
up to $6,000
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier C
15.74%
▼
APR15.74%
Last UpdatedApril 7, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
16.00%
▼
APR16.00%
Last UpdatedApril 7, 2026
Details
up to $8,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans B
16.00%
▼
APR16.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans A+
16.00%
▼
APR16.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans A
16.00%
▼
APR16.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Internationalites Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
901 N Canal St, Carlsbad, NM, 88220 5109
Signature Loans
16.00%
▼
APR16.00%
Last UpdatedApril 7, 2026
Details
up to $7,500; As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
16.00%
▼
APR16.00%
Last UpdatedApril 7, 2026
Details
620 - 659
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
16.00%
▼
APR16.00%
Last UpdatedApril 7, 2026
Details
Range: 540 - 579, Type: E
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
Signature Loans
16.24%
▼
APR16.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
16.49%
▼
APR16.49%
Last UpdatedApril 7, 2026
Details
Tier Level: C (Equifax Score 600-659)
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
16.50%
▼
APR16.50%
Last UpdatedApril 7, 2026
Details
620 - 659
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
16.50%
▼
APR16.50%
Last UpdatedApril 7, 2026
Details
up to $12,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
17.00%
▼
APR17.00%
Last UpdatedApril 7, 2026
Details
620 - 659
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.00%
▼
APR17.00%
Last UpdatedApril 7, 2026
Details
up to $2,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.25%
▼
APR17.25%
Last UpdatedApril 7, 2026
Details
up to $6,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
17.25%
▼
APR17.25%
Last UpdatedApril 7, 2026
Details
620 - 659
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Credit Builder Loan
17.50%
▼
APR17.50%
Last UpdatedApril 7, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.50%
▼
APR17.50%
Last UpdatedApril 7, 2026
Details
up to $8,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan D
17.75%
▼
APR17.75%
Last UpdatedApril 7, 2026
Details
580 - 619
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.75%
▼
APR17.75%
Last UpdatedApril 7, 2026
Details
up to $6,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans D
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
Competitive rates from 10% to 18% APR; Funds are deposited into your checking or savings account
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Credit Builder Loans
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
Helps individuals with poor credit rebuild their score; Perfect for consumers with scores less than 649 or no score at all; 18% Fixed APR
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
up to $2,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans E
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan Subprime
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
539 and less
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans C
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
Tier Level: D (Equifax Score 550-599)
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan E
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
540 - 579
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan D
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
580 - 619
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Consumer Loan
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
Range: 539 and less, Type: Subprime
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
Eagle Success Loan
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
808 Washington Ave, Alamogordo, NM, 88310 5166
Payday Loan - Payroll Deduction Only
18.75%
▼
APR18.75%
Last UpdatedApril 7, 2026
Details
As Low As; $50 - $500 Max
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 7, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Closed-End Signature
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 7, 2026
Details
As Low As
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal loans
10.25%
▼
APR10.25%
Last UpdatedApril 7, 2026
Details
As Low As
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM, 87507
Unsecured Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 7, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 7, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As Low As
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As low as
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Open-End Signature
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Personal Loans
11.55%
▼
APR11.55%
Last UpdatedApril 7, 2026
Details
As Low As; On Approved Credit
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
14.24%
▼
APR14.24%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Personal Loan
14.74%
▼
APR14.74%
Last UpdatedApril 7, 2026
Details
As Low As
Powered by
MonitorBankRates
No debt consolidation personal loan rates found in New Mexico currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Signature
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
505 E Route 66 Blvd, Tucumcari, NM, 88401 3137
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
505 E Route 66 Blvd, Tucumcari, NM, 88401 3137
Signature Loan
9.24%
▼
APR9.24%
Last UpdatedApril 7, 2026
Details
As Low As; Regular APR: 18.00%
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
Signature
9.40%
▼
APR9.40%
Last UpdatedApril 7, 2026
Details
Signature
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Signature
9.59%
▼
APR9.59%
Last UpdatedApril 7, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
740 and UP
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Closed-End Signature
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
10.00%
▼
APR10.00%
Last UpdatedApril 7, 2026
Details
As Low As; Also commonly called personal or unsecured loans; Perfect for debt consolidation, unplanned expenses, or big purchases; Competitive rates from 10% to 18% APR; Funds are deposited into your checking or savings account
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
10.25%
▼
APR10.25%
Last UpdatedApril 7, 2026
Details
740 and UP
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedApril 7, 2026
Details
Up to $50,000 Signature Loan
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedApril 7, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
Signature Loans
10.74%
▼
APR10.74%
Last UpdatedApril 7, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
up to $2,000
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
700 - 739
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
740 and UP
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
Signature - Uncollateralized
10.75%
▼
APR10.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Open-End Signature
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 7, 2026
Details
up to $6,000
Questa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
2433 NM 522, Questa, NM, 87556
Signature
11.00%
▼
APR11.00%
Last UpdatedApril 7, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
700 - 739
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
740 and UP
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
up to $8,000
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier A
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
11.50%
▼
APR11.50%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
11.75%
▼
APR11.75%
Last UpdatedApril 7, 2026
Details
700 - 739
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedApril 7, 2026
Details
up to $12,000
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedApril 7, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedApril 7, 2026
Details
up to $6,000
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM, 88011
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
210 E Idaho Ave, Las Cruces, NM, 88005 3279
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedApril 7, 2026
Details
As Low As; Starting at 12.00% - 18.00% APR
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
12.25%
▼
APR12.25%
Last UpdatedApril 7, 2026
Details
700 - 739
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 7, 2026
Details
up to $24,000
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
13.00%
▼
APR13.00%
Last UpdatedApril 7, 2026
Details
660 - 699
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedApril 7, 2026
Details
up to $8,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.25%
▼
APR13.25%
Last UpdatedApril 7, 2026
Details
up to $12,000
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier B
13.50%
▼
APR13.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
13.50%
▼
APR13.50%
Last UpdatedApril 7, 2026
Details
660 - 699
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.50%
▼
APR13.50%
Last UpdatedApril 7, 2026
Details
up to $16,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
14.00%
▼
APR14.00%
Last UpdatedApril 7, 2026
Details
660 - 699
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
14.24%
▼
APR14.24%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
14.50%
▼
APR14.50%
Last UpdatedApril 7, 2026
Details
660 - 699
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
14.74%
▼
APR14.74%
Last UpdatedApril 7, 2026
Details
As Low As; APR=Annual Percentage Rate. 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 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.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
14.75%
▼
APR14.75%
Last UpdatedApril 7, 2026
Details
up to $2,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
15.50%
▼
APR15.50%
Last UpdatedApril 7, 2026
Details
up to $6,000
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier C
15.74%
▼
APR15.74%
Last UpdatedApril 7, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
16.00%
▼
APR16.00%
Last UpdatedApril 7, 2026
Details
up to $8,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
16.00%
▼
APR16.00%
Last UpdatedApril 7, 2026
Details
620 - 659
Internationalites Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
901 N Canal St, Carlsbad, NM, 88220 5109
Signature Loans
16.00%
▼
APR16.00%
Last UpdatedApril 7, 2026
Details
up to $7,500; As Low As
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
Signature Loans
16.24%
▼
APR16.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
16.50%
▼
APR16.50%
Last UpdatedApril 7, 2026
Details
620 - 659
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
16.50%
▼
APR16.50%
Last UpdatedApril 7, 2026
Details
up to $12,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
17.00%
▼
APR17.00%
Last UpdatedApril 7, 2026
Details
620 - 659
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.00%
▼
APR17.00%
Last UpdatedApril 7, 2026
Details
up to $2,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
17.25%
▼
APR17.25%
Last UpdatedApril 7, 2026
Details
620 - 659
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.25%
▼
APR17.25%
Last UpdatedApril 7, 2026
Details
up to $6,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.50%
▼
APR17.50%
Last UpdatedApril 7, 2026
Details
up to $8,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan D
17.75%
▼
APR17.75%
Last UpdatedApril 7, 2026
Details
580 - 619
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.75%
▼
APR17.75%
Last UpdatedApril 7, 2026
Details
up to $6,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan D
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
580 - 619
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan E
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
540 - 579
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan Subprime
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
539 and less
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
up to $2,000
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedApril 7, 2026
Details
Competitive rates from 10% to 18% APR; Funds are deposited into your checking or savings account
Powered by
MonitorBankRates
No home improvement personal loan rates found in New Mexico currently.
New Mexico Personal Loan Rate Trends
Compare local New Mexico personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — NM Avg
11.312%
▼ 0.350 vs 7 days ago
New Mexico personal loan rates fell 0.350 points over the past 7 days to 11.312% APR.
Signature Loan — NM Avg
12.510%
New Mexico signature loan rates currently average 12.510% APR.
As of Apr 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in New Mexico?
Most lenders in New Mexico require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in New Mexico often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in New Mexico require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in New Mexico?
Yes. Debt consolidation is one of the most common uses of personal loans in New Mexico. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in New Mexico?
Credit unions in New Mexico often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in New Mexico?
- LOCO Credit Union: 4.00% (Share Secured/Credit Builder Loans)
- Northern New Mexico School Employees Federal Credit Union: 4.25% (Consumer Loan)
- Otero Federal Credit Union: 5.99% (EcoFriendly Loan)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Mountain America Federal Credit Union: 7.25% (Construction loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in New Mexico. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026.
