Auto Loan Rates in Alamosa, Colorado (CO) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Alamosa, Colorado include Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 1.68% offering Auto Loan at 3.49%, SunwardSunwardA+5.0 ★Texas Ratio: 3.78% offering New & Used Vehicle Loan at 4.64%, Metrum Community Credit UnionMetrum Community Credit UnionA+5.0 ★Texas Ratio: 1.39% offering Auto Loan at 4.64%, Together Credit UnionTogether Credit UnionA+5.0 ★Texas Ratio: 5.30% offering New Auto at 4.64%, Colorado Credit UnionColorado Credit UnionA+5.0 ★Texas Ratio: 2.29% offering Automobiles at 4.99%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Alamosa borrowers have access to 18 lenders serving the Colorado area, with auto loan rates as low as 3.49% APR from Electrical Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Alamosa, Colorado. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Alamosa, Colorado & Surrounding Area
Alamosa Auto Loan Rates
As Low As; Relationship Pricing
As Low As
Any age of vehicle; Purchased from a dealer or private party
As Low As
As Low As; Rate Adjusts with Term
As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value
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As Low As
Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
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As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; for 66 months or less with LTV 80% or less and automatic payment discount
As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount)*
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As Low As; *
As Low As; Rate Adjusts with Term
As Low As
Credit Score: 800 & Higher
As Low As
Credit Score: 760 - 779
Credit Score: 740 - 759
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; *
As Low As; Rate Adjusts with Term
As Low As; New - 2026 - 2025
Credit Score: 720 - 739
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Used - 2024- 2020
Credit Score: 700 - 779
Credit Score: 680 - 699
Credit Score: 660 - 679
Credit Score: 640 - 659
Credit Score: 600 - 639
Credit Score: < 600
Alamosa New Auto Auto Loan Rates
As Low As
Any age of vehicle; Purchased from a dealer or private party
As Low As
As Low As; Rate Adjusts with Term
As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value
As Low As
As Low As
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; for 66 months or less with LTV 80% or less and automatic payment discount
As Low As
Credit Score: 800 & Higher
As Low As
Credit Score: 760 - 779
Credit Score: 740 - 759
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; New - 2026 - 2025
Credit Score: 720 - 739
As Low As; Max. Amount: 100%, including taxes and insurance
Credit Score: 700 - 779
Credit Score: 680 - 699
Credit Score: 660 - 679
Credit Score: 640 - 659
Credit Score: 600 - 639
Credit Score: < 600
Alamosa Used Auto Auto Loan Rates
As Low As
Any age of vehicle; Purchased from a dealer or private party
As Low As
As Low As
As Low As
As Low As
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount)*
As Low As
As Low As; Rate Adjusts with Term
Credit Score: 800 & Higher
Credit Score: 760 - 779
Credit Score: 740 - 759
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Rate Adjusts with Term
Credit Score: 720 - 739
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Used - 2024- 2020
Credit Score: 700 - 779
Credit Score: 680 - 699
Credit Score: 660 - 679
Credit Score: 640 - 659
Credit Score: 600 - 639
Credit Score: < 600
Alamosa, CO Auto Loan Rate Trends
Compare local Alamosa, CO 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.
Colorado new auto rates rose 0.024 points over the past 7 days to 5.285% APR.
Colorado used auto rates rose 0.160 points over the past 7 days to 5.736% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Alamosa, Colorado auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Alamosa, Colorado directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Alamosa, Colorado. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in CO.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Alamosa, Colorado
How does my credit score affect my car loan rate in Colorado?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Alamosa, Colorado?
- Electrical Federal Credit Union: 3.49% (Auto Loan)
- Sunward: 4.64% (New & Used Vehicle Loan)
- Metrum Community Credit Union: 4.64% (Auto Loan)
- Together Credit Union: 4.64% (New Auto)
- Colorado Credit Union: 4.99% (Automobiles)
