Auto Loan Rates in Arvada, Colorado (CO) for May 2026
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Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Arvada, Colorado. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Arvada, Colorado include Electrical Federal Credit UnionElectrical Federal Credit Union5080 W 60th Ave, Arvada, CO, 80003 6919A+5.0 ★Texas Ratio: 1.71% offering Auto Loan at 3.49%, Rio Grande Federal Credit UnionRio Grande Federal Credit UnionA+5.0 ★Texas Ratio: 0.09% offering New Auto Loans at 2.89%, Holyoke Community Federal Credit UnionHolyoke Community Federal Credit UnionA+5.0 ★Texas Ratio: 2.92% offering New Auto at 4.26%, Metrum Community Credit UnionMetrum Community Credit UnionA+5.0 ★Texas Ratio: 1.43% offering NEW & USED AUTO at 4.64%, Horizons North Credit UnionHorizons North Credit UnionA+5.0 ★Texas Ratio: 0.05% offering Auto Loans at 4.89%. Auto loan rates as of May 6, 2026 according to verified data from MonitorBankRates.
Arvada has 1 local institution in our database, with auto loan rates as low as 3.49% APR from Electrical Federal Credit Union at 5080 W 60th Ave, Arvada, CO, 80003 6919. 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 Arvada, Colorado. Auto Loan Rates Last Updated and Verified: May 6, 2026
Compare Auto Loan Rates Today in Arvada, Colorado & Surrounding Area
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
Auto Loan
3.49%
60 Months
▼
APR3.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; with Relationship Pricing
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Auto Loans
2.89%
84 Months
▼
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%
Used Auto Loans
2.89%
75 Months
▼
APR2.89%
Term75 Months
Last UpdatedApr 17, 2026
Details
As Low As; 72 month term rates begin at 2.99%
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Auto
4.26%
84 Months
▼
APR4.26%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW & USED AUTO
4.64%
Up to 84 months
▼
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%
REFINANCE NEW & USED AUTO
4.64%
Up to 72 months
▼
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%
Auto Loans
4.89%
72 months
▼
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%
New Auto Loan
4.99%
84 months
▼
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%
New Auto Loans
4.99%
Up to 84 months
▼
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%
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
APR4.99%
TermUp to 36
Last UpdatedApr 19, 2026
Details
APR4.99%
TermUp to 36
Last UpdatedApr 19, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Automobiles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New Auto Loan
4.99%
84 Months
▼
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%
NEW AUTO 2023-2025
5.24%
0-72
▼
APR5.24%
Term0-72
Last UpdatedApr 19, 2026
Details
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details
As Low As
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.49%
up to 60 months
▼
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%
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 2, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
5.50%
84 months
▼
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%
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rate Adjusts with Term
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.99%
61 to 72 months
▼
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%
USED AUTO 2017-2022
6.24%
0-72
▼
APR6.24%
Term0-72
Last UpdatedApr 19, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
6.25%
36 months
▼
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%
Used Auto Loan
6.25%
36 Months
▼
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%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedApr 26, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Auto Loans
2.89%
84 Months
▼
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
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Auto
4.26%
84 Months
▼
APR4.26%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW & USED AUTO
4.64%
Up to 84 months
▼
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%
REFINANCE NEW & USED AUTO
4.64%
Up to 72 months
▼
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%
New Auto Loan
4.99%
84 months
▼
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%
New Auto Loans
4.99%
Up to 84 months
▼
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
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New Auto Loan
4.99%
84 Months
▼
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%
NEW AUTO 2023-2025
5.24%
0-72
▼
APR5.24%
Term0-72
Last UpdatedApr 19, 2026
Details
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details
As Low As
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.49%
up to 60 months
▼
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%
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 2, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedApr 26, 2026
Details
As Low As
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedApr 26, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
2.89%
75 Months
▼
APR2.89%
Term75 Months
Last UpdatedApr 17, 2026
Details
As Low As; 72 month term rates begin at 2.99%
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW & USED AUTO
4.64%
Up to 84 months
▼
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%
REFINANCE NEW & USED AUTO
4.64%
Up to 72 months
▼
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%
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details
As Low As
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.49%
up to 60 months
▼
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%
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 2, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
5.50%
84 months
▼
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%
Used Auto Loan
5.50%
84 Months
▼
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%
New or Used Auto
5.99%
61 to 72 months
▼
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%
USED AUTO 2017-2022
6.24%
0-72
▼
APR6.24%
Term0-72
Last UpdatedApr 19, 2026
Details
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
6.25%
36 months
▼
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%
Used Auto Loan
6.25%
36 Months
▼
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%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedApr 26, 2026
Details
As Low As
Powered by
MonitorBankRates
Arvada, CO Auto Loan Rate Trends
Compare local Arvada, 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.
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
5.742%
▲ 0.208 vs 7 days ago
Colorado used auto rates rose 0.208 points over the past 7 days to 5.742% APR.
As of May 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Arvada, 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 Arvada, 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 Arvada, 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 Arvada, Colorado?
Based on our current data, some of the lowest auto loan rates available in Arvada, Colorado include:
- Electrical Federal Credit Union: 3.49% (Auto Loan)
- 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 Arvada, Colorado. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 6, 2026
Rate Assistant
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