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Auto Loan Rates in Colorado (CO) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Colorado. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 2, 2026

Current auto loan rates in Colorado include Electrical Federal Credit UnionElectrical Federal Credit Union5080 W 60th Ave, Arvada, CO, 80003 6919A+5.0 ★Texas Ratio: 1.71% offering New/Used Auto Refinance at 2.49%, Rio Grande Federal Credit UnionRio Grande Federal Credit Union760 Rood Ave, Grand Junction, CO, 81501 3408A+5.0 ★Texas Ratio: 0.09% offering New Auto Loans at 2.89%, Holyoke Community Federal Credit UnionHolyoke Community Federal Credit Union101 W Denver St, Holyoke, CO, 80734 1427A+5.0 ★Texas Ratio: 2.92% offering New Auto at 4.26%, Metrum Community Credit UnionMetrum Community Credit Union6980 S Holly Cir, Centennial, CO, 80112 1018A+5.0 ★Texas Ratio: 1.43% offering NEW & USED AUTO at 4.64%, Horizons North Credit UnionHorizons North Credit Union13559 Huron St, Westminster, CO, 80234 1161A+5.0 ★Texas Ratio: 0.05% offering Auto Loans at 4.89%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare auto loan rates across Colorado side-by-side. Colorado auto loan rates currently start as low as 2.49% APR from Electrical Federal Credit Union at 5080 W 60th Ave, Arvada, CO, 80003 6919. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Colorado. Auto Loan Rates Last Updated and Verified: May 2, 2026

Compare Auto Loan Rates Today in Colorado

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
2.49%
Up to 24 Months
View
▼
APR2.49%
TermUp to 24 Months
Last UpdatedApr 25, 2026
Details

As Low As

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
New Auto Loans
2.89%
84 Months
View
▼
APR2.89%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
Used Auto Loans
2.89%
75 Months
View
▼
APR2.89%
Term75 Months
Last UpdatedApr 17, 2026
Details

As Low As; 72 month term rates begin at 2.99%

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
3.24%
48 Months
View
▼
APR3.24%
Term48 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
Auto Loans
3.49%
60 months
View
▼
APR3.49%
Term60 months
Last UpdatedApr 25, 2026
Details

Rates as low as 3.49% APR* for 60 months (with Relationship Pricing)

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
3.49%
Up to 24 months
View
▼
APR3.49%
TermUp to 24 months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.24%
48 months
View
▼
APR4.24%
Term48 months
Last UpdatedApr 25, 2026
Details

As Low As

Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
101 W Denver St, Holyoke, CO, 80734 1427
New Auto
4.26%
84 Months
View
▼
APR4.26%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
NEW & USED AUTO
4.64%
Up to 84 months
View
▼
APR4.64%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; Purchase from a dealer or private party

Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
REFINANCE NEW & USED AUTO
4.64%
Up to 72 months
View
▼
APR4.64%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; Refinance from another Financial

Horizons North Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
13559 Huron St, Westminster, CO, 80234 1161
Auto Loans
4.89%
72 months
View
▼
APR4.89%
Term72 months
Last UpdatedMay 2, 2026
Details

As Low As; New, used and refi

Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
New Auto Loan
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2022 & Newer

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
New Auto Loans
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedApr 17, 2026
Details

As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
Used Auto Loans
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details

As Low As

Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loan
4.99%
Up to 36
View
▼
APR4.99%
TermUp to 36
Last UpdatedApr 19, 2026
Details

Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
4.99%
Up to 36
View
▼
APR4.99%
TermUp to 36
Last UpdatedApr 19, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2380 E Bridge St, Brighton, CO, 80601
Automobiles
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
New Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Rate Adjusts with Term

Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
2901 S 27TH AVE, GREELEY, CO, 80631
NEW AUTO 2023-2025
5.24%
0-72
View
▼
APR5.24%
Term0-72
Last UpdatedApr 19, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
803 E Olive St, Lamar, CO, 81052
New/Used Auto Loans
5.49%
36 mo
View
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details

As Low As

Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loan
5.49%
61 - 72
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
5.49%
61 - 72
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.49%
up to 60 months
View
▼
APR5.49%
Termup to 60 months
Last UpdatedApr 26, 2026
Details

As Low As

Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
516 28 Rd, Grand Junction, CO, 81501
Auto Loan (New & Used)
5.49%
Up to 7 years
View
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 2, 2026
Details

Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
Used Auto Loan
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2021 - 2018

HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used Auto Loan
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Rate Adjusts with Term

Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loan
5.99%
73 - 84
View
▼
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

Power Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.62%
1615 E Evans Ave, Pueblo, CO, 81004 3418
Auto Loans
5.99%
73 - 84
View
▼
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.99%
61 to 72 months
View
▼
APR5.99%
Term61 to 72 months
Last UpdatedApr 26, 2026
Details

As Low As

Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
2901 S 27TH AVE, GREELEY, CO, 80631
USED AUTO 2017-2022
6.24%
0-72
View
▼
APR6.24%
Term0-72
Last UpdatedApr 19, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
Used Auto Loan
6.25%
36 months
View
▼
APR6.25%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2017 & Older

HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used Auto Loan
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Rate Adjusts with Term

Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
6.99%
73 to 84 months
View
▼
APR6.99%
Term73 to 84 months
Last UpdatedApr 26, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
2.49%
Up to 24 Months
View
▼
APR2.49%
TermUp to 24 Months
Last UpdatedApr 25, 2026
Details

As Low As

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
New Auto Loans
2.89%
84 Months
View
▼
APR2.89%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
3.24%
48 Months
View
▼
APR3.24%
Term48 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
3.49%
Up to 24 months
View
▼
APR3.49%
TermUp to 24 months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.24%
48 months
View
▼
APR4.24%
Term48 months
Last UpdatedApr 25, 2026
Details

As Low As

Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
101 W Denver St, Holyoke, CO, 80734 1427
New Auto
4.26%
84 Months
View
▼
APR4.26%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
NEW & USED AUTO
4.64%
Up to 84 months
View
▼
APR4.64%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; Purchase from a dealer or private party

Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
REFINANCE NEW & USED AUTO
4.64%
Up to 72 months
View
▼
APR4.64%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; Refinance from another Financial

Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
New Auto Loan
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2022 & Newer

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
New Auto Loans
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedApr 17, 2026
Details

As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
New Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Rate Adjusts with Term

Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
2901 S 27TH AVE, GREELEY, CO, 80631
NEW AUTO 2023-2025
5.24%
0-72
View
▼
APR5.24%
Term0-72
Last UpdatedApr 19, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
803 E Olive St, Lamar, CO, 81052
New/Used Auto Loans
5.49%
36 mo
View
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.49%
up to 60 months
View
▼
APR5.49%
Termup to 60 months
Last UpdatedApr 26, 2026
Details

As Low As

Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
516 28 Rd, Grand Junction, CO, 81501
Auto Loan (New & Used)
5.49%
Up to 7 years
View
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 2, 2026
Details

Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.99%
61 to 72 months
View
▼
APR5.99%
Term61 to 72 months
Last UpdatedApr 26, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
6.99%
73 to 84 months
View
▼
APR6.99%
Term73 to 84 months
Last UpdatedApr 26, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
2.49%
Up to 24 Months
View
▼
APR2.49%
TermUp to 24 Months
Last UpdatedApr 25, 2026
Details

As Low As

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
Used Auto Loans
2.89%
75 Months
View
▼
APR2.89%
Term75 Months
Last UpdatedApr 17, 2026
Details

As Low As; 72 month term rates begin at 2.99%

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
3.24%
48 Months
View
▼
APR3.24%
Term48 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
3.49%
Up to 24 months
View
▼
APR3.49%
TermUp to 24 months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.24%
48 months
View
▼
APR4.24%
Term48 months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
NEW & USED AUTO
4.64%
Up to 84 months
View
▼
APR4.64%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; Purchase from a dealer or private party

Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
6980 S Holly Cir, Centennial, CO, 80112 1018
REFINANCE NEW & USED AUTO
4.64%
Up to 72 months
View
▼
APR4.64%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; Refinance from another Financial

Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
Used Auto Loans
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Refinance
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
803 E Olive St, Lamar, CO, 81052
New/Used Auto Loans
5.49%
36 mo
View
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details

As Low As

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.49%
up to 60 months
View
▼
APR5.49%
Termup to 60 months
Last UpdatedApr 26, 2026
Details

As Low As

Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
516 28 Rd, Grand Junction, CO, 81501
Auto Loan (New & Used)
5.49%
Up to 7 years
View
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 2, 2026
Details

Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
Used Auto Loan
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2021 - 2018

HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used Auto Loan
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Rate Adjusts with Term

Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
5.99%
61 to 72 months
View
▼
APR5.99%
Term61 to 72 months
Last UpdatedApr 26, 2026
Details

As Low As

Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
2901 S 27TH AVE, GREELEY, CO, 80631
USED AUTO 2017-2022
6.24%
0-72
View
▼
APR6.24%
Term0-72
Last UpdatedApr 19, 2026
Details

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO, 80003 6919
New/Used Auto Purchase
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedApr 25, 2026
Details

As Low As

Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
822 W Main St, Sterling, CO, 80751
Used Auto Loan
6.25%
36 months
View
▼
APR6.25%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As; Model Year: 2017 & Older

HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO, 80731 5018
Used Auto Loan
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Rate Adjusts with Term

Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
9053 Harlan St Ste 10, Westminster, CO, 80031 2908
New or Used Auto
6.99%
73 to 84 months
View
▼
APR6.99%
Term73 to 84 months
Last UpdatedApr 26, 2026
Details

As Low As

Colorado Auto Loan Rate Trends

Compare local Colorado auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Colorado Auto Trends →
New Auto Loan — CO Avg
4.754%
▼ 0.358 vs 7 days ago

Colorado new auto rates fell 0.358 points over the past 7 days to 4.754% APR.

Used Auto Loan — CO Avg
5.568%
▲ 0.034 vs 7 days ago

Colorado used auto rates rose 0.034 points over the past 7 days to 5.568% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Colorado

How does my credit score affect my car loan rate in Colorado?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Colorado 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 Colorado *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 Colorado 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 Colorado?

Based on our current data, some of the lowest auto loan rates available in Colorado include:
  • Electrical Federal Credit Union: 2.49% (New/Used Auto Refinance)
  • Rio Grande Federal Credit Union: 2.89% (New Auto Loans)
  • Holyoke Community Federal Credit Union: 4.26% (New Auto)
  • Metrum Community Credit Union: 4.64% (NEW & USED AUTO)
  • Horizons North Credit Union: 4.89% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Colorado. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026

Colorado Rates & Resources

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$
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$
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Auto Loan Rates by City in Colorado

  • Agate
  • Aguilar
  • Akron
  • Alamosa
  • Allenspark
  • Alma
  • Almont
  • Amherst
  • Anton
  • Antonito
  • Arapahoe
  • Arboles
  • Arlington
  • Arriba
  • Arvada
  • Aspen
  • Atwood
  • Ault
  • Aurora
  • Austin
  • Avon
  • Avondale
  • Bailey
  • Basalt
  • Battlement Mesa
  • Bayfield
  • Bedrock
  • Bellvue
  • Bennett
  • Berthoud
  • Bethune
  • Beulah
  • Black Hawk
  • Blanca
  • Boncarbo
  • Bond
  • Boone
  • Boulder
  • Branson
  • Breckenridge
  • Briggsdale
  • Brighton
  • Broomfield
  • Brush
  • Buena Vista
  • Buffalo Creek
  • Burlington
  • Burns
  • Byers
  • Cahone
  • Calhan
  • Campo
  • Canon City
  • Capulin
  • Carbondale
  • Carr
  • Cascade
  • Castle Rock
  • Cedaredge
  • Center
  • Central City
  • Chama
  • Cheraw
  • Cheyenne Wells
  • Chimney Rock
  • Chromo
  • Cimarron
  • Clark
  • Clifton
  • Climax
  • Coal Creek
  • Coaldale
  • Coalmont
  • Collbran
  • Colorado City
  • Colorado Springs
  • Commerce City
  • Como
  • Conejos
  • Conifer
  • Cope
  • Cortez
  • Cory
  • Cotopaxi
  • Cowdrey
  • Craig
  • Crawford
  • Creede
  • Crested Butte
  • Crestone
  • Cripple Creek
  • Crook
  • Crowley
  • Dacono
  • De Beque
  • Deer Trail
  • Del Norte
  • Delta
  • Denver
  • Dillon
  • Dinosaur
  • Divide
  • Dolores
  • Dove Creek
  • Drake
  • Dumont
  • Dupont
  • Durango
  • Eads
  • Eagle
  • Eastlake
  • Eaton
  • Eckert
  • Eckley
  • Edwards
  • Egnar
  • El Jebel
  • Elbert
  • Eldorado Springs
  • Elizabeth
  • Empire
  • Englewood
  • Erie
  • Estes Park
  • Evans
  • Evergreen
  • Fairplay
  • Firestone
  • Flagler
  • Fleming
  • Florence
  • Florissant
  • Fort Collins
  • Fort Garland
  • Fort Lupton
  • Fort Lyon
  • Fort Morgan
  • Fountain
  • Fowler
  • Franktown
  • Fraser
  • Frederick
  • Frisco
  • Fruita
  • Galeton
  • Garcia
  • Gardner
  • Gateway
  • Genoa
  • Georgetown
  • Gilcrest
  • Gill
  • Glade Park
  • Glen Haven
  • Glenwood Springs
  • Golden
  • Granada
  • Granby
  • Grand Junction
  • Grand Lake
  • Granite
  • Grant
  • Greeley
  • Green Mountain Falls
  • Grover
  • Guffey
  • Gulnare
  • Gunnison
  • Gypsum
  • Hamilton
  • Hartman
  • Hartsel
  • Hasty
  • Haswell
  • Haxtun
  • Hayden
  • Henderson
  • Hereford
  • Hesperus
  • Hillrose
  • Hillside
  • Hoehne
  • Holly
  • Holyoke
  • Homelake
  • Hooper
  • Hot Sulphur Springs
  • Hotchkiss
  • Howard
  • Hudson
  • Hugo
  • Hygiene
  • Idaho Springs
  • Idalia
  • Idledale
  • Ignacio
  • Iliff
  • Indian Hills
  • Jamestown
  • Jaroso
  • Jefferson
  • Jelm
  • Joes
  • Johnstown
  • Julesburg
  • Karval
  • Keenesburg
  • Kersey
  • Kim
  • Kiowa
  • Kirk
  • Kit Carson
  • Kittredge
  • Kremmling
  • La Jara
  • La Junta
  • La Salle
  • La Veta
  • Lafayette
  • Lake City
  • Lake George
  • Lamar
  • Laporte
  • Larkspur
  • Las Animas
  • Lazear
  • Leadville
  • Lewis
  • Limon
  • Lindon
  • Littleton
  • Livermore
  • Lochbuie
  • Log Lane Village
  • Loma
  • Lone Tree
  • Longmont
  • Louisville
  • Louviers
  • Loveland
  • Lucerne
  • Lyons
  • Mack
  • Maher
  • Manassa
  • Mancos
  • Manitou Springs
  • Manzanola
  • Marvel
  • Masonville
  • Matheson
  • Maybell
  • McClave
  • McCoy
  • Mead
  • Meeker
  • Meredith
  • Merino
  • Mesa
  • Milliken
  • Minturn
  • Model
  • Moffat
  • Molina
  • Monarch
  • Monte Vista
  • Montrose
  • Monument
  • Morrison
  • Mosca
  • Nathrop
  • Naturita
  • Nederland
  • New Castle
  • New Raymer
  • Niwot
  • Norwood
  • Nucla
  • Nunn
  • Oak Creek
  • Ohio City
  • Olathe
  • Olney Springs
  • Ophir
  • Orchard
  • Ordway
  • Otis
  • Ouray
  • Ovid
  • Padroni
  • Pagosa Springs
  • Palisade
  • Palmer Lake
  • Paoli
  • Paonia
  • Parachute
  • Paradox
  • Parker
  • Parlin
  • Parshall
  • Peetz
  • Penrose
  • Peyton
  • Phippsburg
  • Pierce
  • Pine
  • Pinecliffe
  • Pitkin
  • Placerville
  • Platteville
  • Pleasant View
  • Poncha Springs
  • Powderhorn
  • Pritchett
  • Pueblo
  • Ramah
  • Rand
  • Rangely
  • Red Cliff
  • Red Feather Lakes
  • Red Wing
  • Redvale
  • Rico
  • Ridgway
  • Rifle
  • Rockvale
  • Rocky Ford
  • Roggen
  • Rollinsville
  • Romeo
  • Rush
  • Rye
  • Saguache
  • Salida
  • San Luis
  • San Pablo
  • Sanford
  • Sargents
  • Sedalia
  • Sedgwick
  • Seibert
  • Severance
  • Shawnee
  • Sheridan Lake
  • Sherrelwood
  • Silt
  • Silver Plume
  • Silverthorne
  • Silverton
  • Simla
  • Slater
  • Snowmass
  • Snowmass Village
  • Snyder
  • Somerset
  • South Fork
  • Springfield
  • Starkville
  • Steamboat Springs
  • Sterling
  • Stoneham
  • Strasburg
  • Stratton
  • Sugar City
  • Swink
  • Tabernash
  • Telluride
  • Thornton
  • Timnath
  • Toponas
  • Towaoc
  • Trinchera
  • Trinidad
  • Twin Lakes
  • Two Buttes
  • U S A F Academy
  • Vail
  • Vernon
  • Victor
  • Vilas
  • Villa Grove
  • Vona
  • Walden
  • Walsenburg
  • Walsh
  • Ward
  • Watkins
  • Weldona
  • Wellington
  • Westcliffe
  • Westminster
  • Weston
  • Wetmore
  • Wheat Ridge
  • Whitewater
  • Wiggins
  • Wild Horse
  • Wiley
  • Windsor
  • Winter Park
  • Wolcott
  • Woodland Park
  • Woodrow
  • Woody Creek
  • Wray
  • Yampa
  • Yellow Jacket
  • Yoder
  • Yuma