Coal Creek, Colorado Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Coal Creek, Colorado auto loan rates from lenders serving Colorado range from 3.74% to 8.49% APR, verified by MonitorBankRates as of October 23, 2026. Current auto loan rates in Coal Creek, Colorado include Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 2.60%Rate verified Oct 23, 2026 offering New/Used Auto Purchase at 3.74%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14%Rate verified Oct 20, 2026 offering Business Vehicle Loan - New Business Vehicle at 4.09%, San Juan Mountains Credit UnionSan Juan Mountains Credit UnionA+5.0 ★Texas Ratio: 1.71%Rate verified Oct 19, 2026 offering New Auto at 4.25%, SunwardSunwardA+5.0 ★Texas Ratio: 2.97%Rate verified Oct 23, 2026 offering Auto Loan - New & Used Vehicle at 4.55%, Sooper Credit UnionSooper Credit UnionA5.0 ★Texas Ratio: 9.13%Rate verified Oct 22, 2026 offering New & Used Car, Truck or SUV Purchase Loan at 4.64%. Auto loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
Coal Creek borrowers have access to 42 lenders serving the Colorado area, with auto loan rates as low as 3.74% APR from Electrical Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Coal Creek, Colorado. Auto Loan Rates Last Updated and Verified: October 23, 2026
Compare Auto Loan Rates Today in Coal Creek, Colorado & Surrounding Area
Coal Creek Auto Loan Rates
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
Model Year: 2026-2024; Credit Tier: A; Max 100% LTV
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
- Oct 23, 20264.55%▲ from 4.18%
- Oct 15, 20264.18%first recorded
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
As Low As; Lowest auto loan rate is available for existing members only
Model Year: 2026-2024; Credit Tier: A; Max 100% LTV
Model Year: 2023-2021; Credit Tier: A; Max 100% LTV
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; Vehicle Loans; Rates effective as of February 2026; Rate based on credit worthiness and term of loan
As Low As; Model Year: New 2023 & Newer; Rate Adjusts with Term
As Low As; Model Year: New: 2023 & Newer; Rate Adjusts with Term; Term is determined according to underwriting guidelines
As Low As; 72 month term rates begin at 6.59%; Financing available up to 100% of value
- Oct 23, 20264.99%▲ from 2.89%
- Oct 15, 20262.89%▼ from 4.99%
- Sep 16, 20264.99%first recorded
As Low As
As Low As; Year: 2025-2026
As Low As; Year: 2023 - 2024
As Low As; Year: 2021 - 2022
As Low As; Year: 2020 & Older
As Low As; Lowest rate without discounts is 4.99%; Age 18 or over; Loan terms up to 96 months on 2025 or newer; includes automatic payment discount of 0.25% for lowest stated APR; no payments for first 45 days
As Low As; Loan Amount (min/max): $1,000 / $300,000; Open Account
As Low As; Loan Amount (min/max): $1,000 / $300,000; Open Account
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
Model Years: 2021-2026; APR range 4.99% - 20.24%; Rate may vary based on credit history, term, miles and other qualifications
As Low As; Rate (APR)
As Low As; Rate (APR)
As Low As; Model Years: 2023-2026; Rate Range: 4.99%-21.00%; Car | Truck | SUV
Base Rate; actual APR based on credit history, vehicle year, and term
As Low As; Loans starting at 4.99% APR; purchase or refinance of vehicles, RVs, motorcycles, recreational and off-road vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; Any age of vehicle; purchased from a dealer or private party; up to 130% of NADA Retail Value
- Oct 9, 20265.14%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; Model Years: 2020-2022; Rate Range: 5.15%-21.00%; Car | Truck | SUV
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Rates from 5.23% APR for 72 months; minimum loan $4,000, maximum loan $150,000; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20265.24%▲ from 4.99%
- Sep 20, 20264.99%first recorded
Longer terms available
- Oct 5, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Loan amount example: $15,000; Payment example: $350.06; APR = Annual Percentage Rate; rates effective as of 10/01/2026 dependent on term and credit history
- Oct 10, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
New and used cars/trucks only; Special requirements apply: credit score of 700 plus; no late payments with Credit Union, or 30 days past due within 365 days; no bankruptcy in the last 3 years; 72 months for 2022-2025 vehicles; term based on year of vehicle
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
Model Year: 2026-2024; Credit Tier: B; Max 100% LTV
Model Year: 2023-2021; Credit Tier: A; Max 100% LTV
Model Year: 2020 - Older; Credit Tier: A; Max 100% LTV
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
Minimum loan for 75 month term is $15,000; for 84 month term is $25,000. Term and rates on secured loans depend on age of security and mileage of collateral.
- Oct 5, 20265.34%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rate Effective Date: October 1, 2026
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
- Oct 19, 20265.37%▲ from 5.12%
- Sep 22, 20265.12%first recorded
As Low As; Model Years: 2016-2019; Rate Range: 5.40%-21.00%; Car | Truck | SUV; Terms longer than 63 months require a minimum finance amount
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Loan Amount (min/max): $5,000 / $300,000
As Low As; Loan Amount (min/max): $5,000 / $300,000
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Maximum vehicle age 8 years old
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
Model Years: 2020-2022; APR range 5.49% - 20.74%; Rate may vary based on credit history, term, miles and other qualifications
Model Year: 2023-2026; rates adjusted based on Loan to Value (LTV)
APR = Annual Percentage Rate; rates are our best rates, may be higher depending on credit history and underwriting; accurate as of October 1, 2026
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
APR = Annual Percentage Rate; rates are our best rates, may be higher depending on credit history and underwriting; accurate as of October 1, 2026
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
Published APR range: 5.49% - 17.99%. APR range; As Low As; Current Auto Loan Rates effective October 1, 2026
As Low As; Model Year: 2018 - Older; APR rate adjusts with term
As Low As; Model Year: 2019 - 2021; APR rate adjusts with term
As Low As; Model Year: 2022 - 2025; APR rate adjusts with term
As Low As; Model Year: New; APR rate adjusts with term
As Low As; Model Year: Used 2022 - 2019; Rate Adjusts with Term
As Low As; Model Year: Used: 2022 - 2019; Rate Adjusts with Term; Term is determined according to underwriting guidelines
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
As Low As; Rate Effective Date: October 1, 2026
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
As Low As; Rate Effective Date: October 1, 2026
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
- Oct 19, 20265.60%▲ from 5.35%
- Sep 22, 20265.35%first recorded
As Low As; Terms up to 84 months
As Low As; Desde 5.64% APR
As Low As; Rate Effective Date: October 1, 2026
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
As Low As; Rates from 5.70% APR for 84 months; minimum loan $50,000, maximum loan $150,000; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
As Low As; Rate Effective Date: October 1, 2026
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20265.74%▲ from 5.49%
- Sep 20, 20265.49%first recorded
Best Rate APR; Effective Date: October 1, 2026
- Oct 9, 20265.74%▲ from 5.59%
- Sep 14, 20265.59%first recorded
Best Rate APR; if loan documents are signed in person instead of via DocuSign, approved rate increases by 0.25% APR
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
- Oct 13, 20265.74%▼ from 5.99%
- Sep 22, 20265.99%first recorded
Model Year: 2023-2026; rates adjusted based on Loan to Value (LTV)
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
Model Year: 2026-2024; Credit Tier: B; Max 100% LTV
Model Year: 2023-2021; Credit Tier: B; Max 100% LTV
Model Year: 2020 - Older; Credit Tier: A; Max 100% LTV
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; Rate Effective Date: October 1, 2026
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
- Oct 19, 20265.84%▲ from 5.58%
- Sep 22, 20265.58%first recorded
Minimum loan for 75 month term is $15,000; for 84 month term is $25,000. Term and rates on secured loans depend on age of security and mileage of collateral.
- Oct 5, 20265.84%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments
As Low As; Rate Effective Date: October 1, 2026
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Any amount financed up to 72 months; for 66 months or less with LTV 80% or less and automatic payment discount; Effective 10-06-2026; Rate adjustments for extended terms and vehicle loan to value (LTV) apply; All new and up to five-year-old vehicles qualify
- Oct 5, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2016 - 2026; for 66 months or less with LTV 80% or less and automatic payment discount; Rate adjustments for extended terms and LTV apply; Loan rates displayed are APRs; Effective 10-06-2026
- Oct 5, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Maximum vehicle age 8 years old
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
As Low As; Model years less than 2023
As Low As; Model years less than 2023
As Low As; Model years less than 2023
Model Years: 2017-2019; APR range 5.99% - 21.00%; Rate may vary based on credit history, term, miles and other qualifications
Base Rate; actual APR based on credit history, vehicle year, and term
As Low As; Rates from 6.05% APR for 72 months; minimum loan $4,000, maximum loan $150,000; eligible model years 2023-2026; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
Model Year: 2020-2022; rates adjusted based on Loan to Value (LTV)
Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Model years less than 2023
As Low As; Rates as of 09/01/2026
- Oct 9, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Model Year: Used 2018 & Older; Rate Adjusts with Term
As Low As; Model Year: Used: 2018 & Older; Rate Adjusts with Term; Term is determined according to underwriting guidelines
Model Year: 2023-2021; Credit Tier: B; Max 100% LTV
Model Year: 2020 - Older; Credit Tier: B; Max 100% LTV
Financing amount: $30,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $30,000; Purchase of used car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.29%▲ from 5.99%
- Sep 30, 20265.99%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
As Low As; Rates as of 09/01/2026
- Oct 9, 20266.29%▲ from 5.79%
- Sep 14, 20265.79%first recorded
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
- Oct 19, 20266.33%▲ from 6.08%
- Sep 22, 20266.08%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
Model Year: 2020-2022; rates adjusted based on Loan to Value (LTV)
As Low As; Rates as of 09/01/2026
- Oct 9, 20266.34%▲ from 5.84%
- Sep 14, 20265.84%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Maximum vehicle age 8 years old
Model Year: 2016-2019; rates adjusted based on Loan to Value (LTV)
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20266.49%▲ from 6.24%
- Sep 20, 20266.24%first recorded
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Model years less than 2023
Model Years: 2016 and Older; APR range 6.49% - 21.00%; Rate may vary based on credit history, term, miles and other qualifications
Model Year: 2023-2026; rates adjusted based on Loan to Value (LTV)
All other collateral; same special requirements apply: credit score of 700 plus; no late payments with Credit Union, or 30 days past due within 365 days; no bankruptcy in the last 3 years; term based on year of vehicle
As Low As; Vehicle Rates: Cars, Trucks, SUVs, Motorcycles, Motor Homes; Model Year: New - 2026 - 2025
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
- Oct 19, 20266.58%▲ from 6.32%
- Sep 22, 20266.32%first recorded
Best Rate APR; Effective Date: October 1, 2026
- Oct 9, 20266.74%▲ from 6.59%
- Sep 14, 20266.59%first recorded
Best Rate APR; if loan documents are signed in person instead of via DocuSign, approved rate increases by 0.25% APR
Fixed Rate; Effective 10-06-2026; Minimum 2 years in business; Minimum loan amount $2,000; Maximum loan-to-value 80% for commercial vehicles, 100% for business-use passenger cars, pick-up trucks, vans, SUVs not part of fleet vehicles
- Oct 13, 20266.75%▼ from 8.00%
- Sep 14, 20268.00%first recorded
Model Year: 2020 - Older; Max 100% B Credit Tier
Minimum loan for 75 month term is $15,000; for 84 month term is $25,000. Term and rates on secured loans depend on age of security and mileage of collateral.
- Oct 5, 20266.84%▲ from 6.49%
- Sep 14, 20266.49%first recorded
Model Year: 2025 - 2027; Rates listed also require an automatic transfer for monthly payments
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Loan Amount (min/max): $20,000 / $300,000; Open Account
As Low As; Loan Amount (min/max): $20,000 / $300,000
Loan limit not stated for this row
Model Year: 2024 - 2023; Rates listed also require an automatic transfer for monthly payments
84 Month Term Option; Model Year: 2025 - 2027; Rates listed also require an automatic transfer for monthly payments
Model Year: 2022 - 2021; Rates listed also require an automatic transfer for monthly payments
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20267.28%▲ from 6.98%
- Sep 30, 20266.98%first recorded
84 Month Term Option; Model Year: 2022 - 2021; Rates listed also require an automatic transfer for monthly payments
Model Year: 2020 - 2018; Rates listed also require an automatic transfer for monthly payments
As Low As; Notes: 80% financing available
As Low As; Notes: Previous model year and up to 10 years old: 80% financing available
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
Model Year: 2015 or Older; rates adjusted based on Loan to Value (LTV)
As Low As; Rates as of Oct 19, 2026 ET
As Low As; Rates as of Oct 19, 2026 ET
APR range: 7.49% - 16.99%
84 Month Term Option; Model Year: 2024 - 2023; Rates listed also require an automatic transfer for monthly payments
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Minimum loan amount $30,000 for terms of 85-96 months; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 month terms; Terms over 84 months only for vehicles with fewer than 7,500 miles; Rates as of Oct 19, 2026 ET
- Oct 20, 20267.69%▲ from 7.39%
- Sep 30, 20267.39%first recorded
Published rate range: 7.875%-8.125%. Model Years: Any model year; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
APR range: 7.99% - 17.49%
APR range: 7.99% - 18.24%
As Low As; Notes: 80% financing available
As Low As; Notes: Previous model year and up to 10 years old: 80% financing available
Published rate range: 8.00%-8.25%. Model Years: Any model year; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.125%-8.375%. Model Years: 2018 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
- Oct 5, 20268.24%▲ from 7.99%
- Sep 18, 20267.99%first recorded
As Low As; Notes: 80% financing available
As Low As; Notes: Previous model year and up to 10 years old: 80% financing available
Published rate range: 8.25%-8.50%. Model Years: 2019 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.375%-8.625%. Model Years: 2020 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
APR range: 8.49% - 18.74%
Coal Creek New Auto Auto Loan Rates
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
Model Year: 2026-2024; Credit Tier: A; Max 100% LTV
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
- Oct 23, 20264.55%▲ from 4.18%
- Oct 15, 20264.18%first recorded
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
As Low As; Lowest auto loan rate is available for existing members only
Model Year: 2026-2024; Credit Tier: A; Max 100% LTV
Model Year: 2023-2021; Credit Tier: A; Max 100% LTV
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; Model Year: New 2023 & Newer; Rate Adjusts with Term
As Low As; Model Year: New: 2023 & Newer; Rate Adjusts with Term; Term is determined according to underwriting guidelines
As Low As; 72 month term rates begin at 6.59%; Financing available up to 100% of value
- Oct 23, 20264.99%▲ from 2.89%
- Oct 15, 20262.89%▼ from 4.99%
- Sep 16, 20264.99%first recorded
As Low As; Loan Amount (min/max): $1,000 / $300,000; Open Account
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Rate (APR)
Base Rate; actual APR based on credit history, vehicle year, and term
As Low As; Any age of vehicle; purchased from a dealer or private party; up to 130% of NADA Retail Value
- Oct 9, 20265.14%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; Rates from 5.23% APR for 72 months; minimum loan $4,000, maximum loan $150,000; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20265.24%▲ from 4.99%
- Sep 20, 20264.99%first recorded
Longer terms available
- Oct 5, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
Model Year: 2026-2024; Credit Tier: B; Max 100% LTV
Model Year: 2023-2021; Credit Tier: A; Max 100% LTV
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; Rate Effective Date: October 1, 2026
As Low As; Rate Effective Date: October 1, 2026
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Loan Amount (min/max): $5,000 / $300,000
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
APR = Annual Percentage Rate; rates are our best rates, may be higher depending on credit history and underwriting; accurate as of October 1, 2026
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
Published APR range: 5.49% - 17.99%. APR range; As Low As; Current Auto Loan Rates effective October 1, 2026
As Low As; Model Year: New; APR rate adjusts with term
As Low As; Rate Effective Date: October 1, 2026
As Low As; Terms up to 84 months
As Low As; Desde 5.64% APR
As Low As; Rate Effective Date: October 1, 2026
As Low As; Rates from 5.70% APR for 84 months; minimum loan $50,000, maximum loan $150,000; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20265.74%▲ from 5.49%
- Sep 20, 20265.49%first recorded
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
- Oct 13, 20265.74%▼ from 5.99%
- Sep 22, 20265.99%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
Model Year: 2026-2024; Credit Tier: B; Max 100% LTV
Model Year: 2023-2021; Credit Tier: B; Max 100% LTV
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Model Year: 2023-2021; Credit Tier: B; Max 100% LTV
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.29%▲ from 5.99%
- Sep 30, 20265.99%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20266.49%▲ from 6.24%
- Sep 20, 20266.24%first recorded
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Vehicle Rates: Cars, Trucks, SUVs, Motorcycles, Motor Homes; Model Year: New - 2026 - 2025
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Loan Amount (min/max): $20,000 / $300,000; Open Account
Loan limit not stated for this row
As Low As; Notes: 80% financing available
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Minimum loan amount $30,000 for terms of 85-96 months; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 month terms; Terms over 84 months only for vehicles with fewer than 7,500 miles; Rates as of Oct 19, 2026 ET
- Oct 20, 20267.69%▲ from 7.39%
- Sep 30, 20267.39%first recorded
Published rate range: 7.875%-8.125%. Model Years: Any model year; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
As Low As; Notes: 80% financing available
Published rate range: 8.00%-8.25%. Model Years: Any model year; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.125%-8.375%. Model Years: 2018 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
As Low As; Notes: 80% financing available
Published rate range: 8.25%-8.50%. Model Years: 2019 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.375%-8.625%. Model Years: 2020 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Coal Creek Used Auto Auto Loan Rates
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
- Oct 23, 20264.55%▲ from 4.18%
- Oct 15, 20264.18%first recorded
As Low As; Lowest auto loan rate is available for existing members only
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As
As Low As; Loan Amount (min/max): $1,000 / $300,000; Open Account
As Low As; Rate (APR)
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; Any age of vehicle; purchased from a dealer or private party; up to 130% of NADA Retail Value
- Oct 9, 20265.14%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20265.24%▲ from 4.99%
- Sep 20, 20264.99%first recorded
Longer terms available
- Oct 5, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Model Year: 2020 - Older; Credit Tier: A; Max 100% LTV
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
Minimum loan for 75 month term is $15,000; for 84 month term is $25,000. Term and rates on secured loans depend on age of security and mileage of collateral.
- Oct 5, 20265.34%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Loan Amount (min/max): $5,000 / $300,000
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Maximum vehicle age 8 years old
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
APR = Annual Percentage Rate; rates are our best rates, may be higher depending on credit history and underwriting; accurate as of October 1, 2026
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
Published APR range: 5.49% - 17.99%. APR range; As Low As; Current Auto Loan Rates effective October 1, 2026
As Low As; Model Year: Used 2022 - 2019; Rate Adjusts with Term
As Low As; Model Year: Used: 2022 - 2019; Rate Adjusts with Term; Term is determined according to underwriting guidelines
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Terms up to 84 months
As Low As; Desde 5.64% APR
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20265.74%▲ from 5.49%
- Sep 20, 20265.49%first recorded
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
- Oct 13, 20265.74%▼ from 5.99%
- Sep 22, 20265.99%first recorded
Model Year: 2020 - Older; Credit Tier: A; Max 100% LTV
As Low As; Rate Effective Date: October 1, 2026
Minimum loan for 75 month term is $15,000; for 84 month term is $25,000. Term and rates on secured loans depend on age of security and mileage of collateral.
- Oct 5, 20265.84%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Rate Effective Date: October 1, 2026
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Model Year: 2016 - 2026; for 66 months or less with LTV 80% or less and automatic payment discount; Rate adjustments for extended terms and LTV apply; Loan rates displayed are APRs; Effective 10-06-2026
- Oct 5, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Maximum vehicle age 8 years old
As Low As; Model Years 2023 - 2027; APR effective as of October 12, 2026
As Low As; Model years less than 2023
As Low As; Model years less than 2023
As Low As; Model years less than 2023
Base Rate; actual APR based on credit history, vehicle year, and term
As Low As; Rates from 6.05% APR for 72 months; minimum loan $4,000, maximum loan $150,000; eligible model years 2023-2026; APR includes $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; accurate as of 02/02/2026
As Low As; Model years less than 2023
As Low As; Model Year: Used 2018 & Older; Rate Adjusts with Term
As Low As; Model Year: Used: 2018 & Older; Rate Adjusts with Term; Term is determined according to underwriting guidelines
Model Year: 2020 - Older; Credit Tier: B; Max 100% LTV
Financing amount: $30,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $30,000; Purchase of used car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
As Low As; Min/Max Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Maximum vehicle age 8 years old
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
As Low As; Rates quoted as of 10/01/2026; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Oct 8, 20266.49%▲ from 6.24%
- Sep 20, 20266.24%first recorded
As Low As; Model years less than 2023
Model Year: 2020 - Older; Max 100% B Credit Tier
Minimum loan for 75 month term is $15,000; for 84 month term is $25,000. Term and rates on secured loans depend on age of security and mileage of collateral.
- Oct 5, 20266.84%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Loan Amount (min/max): $20,000 / $300,000
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20267.28%▲ from 6.98%
- Sep 30, 20266.98%first recorded
As Low As; Notes: Previous model year and up to 10 years old: 80% financing available
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
Published rate range: 7.875%-8.125%. Model Years: Any model year; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
As Low As; Notes: Previous model year and up to 10 years old: 80% financing available
Published rate range: 8.00%-8.25%. Model Years: Any model year; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.125%-8.375%. Model Years: 2018 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
As Low As; Notes: Previous model year and up to 10 years old: 80% financing available
Published rate range: 8.25%-8.50%. Model Years: 2019 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.375%-8.625%. Model Years: 2020 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Coal Creek, CO Auto Loan Rate Trends
Compare local Coal Creek, 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 0.197 points over the past 7 days to 5.510% APR.
Colorado used auto rates rose 0.091 points over the past 7 days to 5.800% APR.
Coal Creek, CO Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Colorado figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Colorado APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.51% APR CO average | Used Auto @ 5.80% APR CO average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.59/mo | $288.60/mo | $2.02/mo |
| $25,000 | $477.64/mo | $481.00/mo | $3.36/mo |
| $35,000 | $668.70/mo | $673.40/mo | $4.70/mo |
| $45,000 | $859.76/mo | $865.80/mo | $6.05/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Coal Creek, Colorado
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Coal Creek, Colorado locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Colorado. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Coal Creek, Colorado high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Coal Creek, Colorado CD rates lock in a guaranteed return until you’re ready to buy
Colorado Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $573 monthly car payment works out to roughly 13.2% of the median individual income in Colorado. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Coal Creek, Colorado, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Coal Creek, Colorado. We’ve prefilled the APR with today’s CO new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Coal Creek, 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 Coal Creek, 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 Coal Creek, 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.
Bad Credit Auto Loans in Coal Creek, Colorado
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Coal Creek, 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?
Should I get preapproved for an auto loan before visiting a dealer in Coal Creek, Colorado?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Coal Creek, Colorado?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Coal Creek, Colorado?
- Electrical Federal Credit Union: 3.74% (New/Used Auto Purchase)
- Navy Federal Credit Union: 4.09% (Business Vehicle Loan - New Business Vehicle)
- San Juan Mountains Credit Union: 4.25% (New Auto)
- Sunward: 4.55% (Auto Loan - New & Used Vehicle)
- Sooper Credit Union: 4.64% (New & Used Car, Truck or SUV Purchase Loan)
Coal Creek, Colorado Rates & Resources
