Glenwood Springs, CO Best Auto Loan Rates for October 2026
Brian McKay
Brian McKay
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Glenwood Springs, Colorado auto loan rates from lenders serving Colorado range from 3.74% to 9.80% APR, verified by MonitorBankRates as of October 31, 2026. Current auto loan rates in Glenwood Springs, Colorado include Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 2.60%Rate verified Oct 28, 2026 offering New/Used Auto Purchase at 3.74%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14%Rate verified Oct 31, 2026 offering Auto Loan - New Vehicle at 4.19%, San Juan Mountains Credit UnionSan Juan Mountains Credit UnionA+5.0 ★Texas Ratio: 1.71%Rate verified Oct 29, 2026 offering New Auto at 4.25%, Sunward Credit UnionSunward Credit UnionA+5.0 ★Texas Ratio: 2.97%Rate verified Oct 28, 2026 offering Auto Loan - New & Used Vehicle at 4.55%, Sooper Credit UnionSooper Credit UnionA5.0 ★Texas Ratio: 9.13%Rate verified Oct 29, 2026 offering New & Used Car, Truck or SUV Purchase Loan at 4.64%. Auto loan rates as of October 31, 2026 according to verified data from MonitorBankRates.
Glenwood Springs borrowers have access to 43 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 Glenwood Springs, Colorado. Auto Loan Rates Last Updated and Verified: October 31, 2026
Compare Auto Loan Rates Today in Glenwood Springs, Colorado & Surrounding Area
Glenwood Springs 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 under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 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; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%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; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 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: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Year: 2026-2024; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
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; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
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; Model Year: 2021 & Older
As Low As; Model Year: 2022-2023
As Low As; Model Year: 2024-2025
As Low As; Model Year: 2026-2027
As Low As; Lowest rate without discounts is 4.99%; Lowest stated APR includes 0.25% automatic payment discount; Loan terms up to 96 months on 2025 or newer; No payments required for first 45 days; Age 18 or over
APR range: 4.99% - 17.99%
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
Model Year: 2021-2026; APR range: 4.99% - 20.24%
As Low As; Vehicle Loans
As Low As; Vehicle Loans
Base Rate; actual APR based on credit worthiness, loan amount, term and prepaid items
As Low As; Loans starting at 4.99% APR; Purchase or refinance of vehicle or RV; motorcycle, recreational and off-road financing also available; Convenient 24/7 online application; Membership required
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; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 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: 2023-2026; Rate Range: 5.19%-21.00%; Terms longer than 63 months require a minimum finance amount
- Oct 26, 20265.19%▲ from 5.15%
- Sep 14, 20265.15%first recorded
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
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; 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
APR range: 5.24% - 17.99%
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: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.25%▼ from 6.25%
- Sep 14, 20266.25%first recorded
Model Year: 2026-2024; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
Year: 2020 - Older; Credit Tier: A; Max 100%
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
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
As Low As; Model Years: 2016-2019; Rate Range: 5.40%-21.00%; Terms longer than 63 months require a minimum finance amount
As Low As; Model Years: 2020-2022; Rate Range: 5.44%-21.00%; Terms longer than 63 months require a minimum finance amount
- Oct 26, 20265.44%▲ from 5.40%
- Sep 14, 20265.40%first recorded
As Low As; Rate Effective Date: October 1, 2026
APR range: 5.49% - 17.99%
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; Model Years 2023 - 2027
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; Model Years 2023 - 2027
As Low As; Model Years 2023 - 2027
Model Year: 2020-2022; APR range: 5.49% - 20.74%
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; Loan Amount (min/max): $5,000 / $300,000
As Low As; Loan Amount (min/max): $5,000 / $300,000
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 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 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
As Low As; Terms up to 84 months
As Low As; Desde 5.64% APR
As Low As; as of Oct. 30, 2026; Rates displayed do not include the additional BofA Rewards discount up to 0.50%; Results shown are for VA
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 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 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 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
APR range: 5.74% - 17.99%
Best Rate APR; Effective Date: October 1, 2026
- Oct 9, 20265.74%▲ from 5.59%
- Sep 14, 20265.59%first recorded
Effective Date: October 1, 2026; Best Rate APR
As Low As; Model Years 2023 - 2027
- 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: 2023-2021; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Year: 2026-2024; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
Year: 2020 - Older; Credit Tier: A; Max 100%
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; Rate Effective Date: October 1, 2026
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
Minimum loan for 75 month term is $15,000
As Low As; as of Oct. 30, 2026; Rates displayed do not include the additional BofA Rewards discount up to 0.50%; Results shown are for VA
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
As Low As; Rate Effective Date: October 1, 2026
APR range: 5.99% - 17.99%
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Any amount financed; for 66 months or less with LTV 80% or less and automatic payment discount; Effective 10-06-2026
- Oct 5, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Years: 2016 - 2026; for 66 months or less with LTV 80% or less and automatic payment discount; Rate adjustments for extended terms and vehicle loan to value (LTV) apply; Used vehicle loans model years 2016 and newer, over $25,000, may have terms up to 84 months; Effective 10-06-2026
- Oct 5, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
As Low As; Model Years 2023 - 2027
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 Year: 2017-2019; APR range: 5.99% - 21.00%
Base Rate; actual APR based on credit worthiness, loan amount, term and prepaid items
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 an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; online applicants with excellent credit; last updated 10/27/2026
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; online applicants with excellent credit; last updated 10/27/2026
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
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; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
Year: 2020 - Older; Credit Tier: B; Max 100%
As Low As; Rates as of 09/01/2026
- Oct 9, 20266.29%▲ from 5.79%
- Sep 14, 20265.79%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); Loan terms greater than 84 months only for vehicles with fewer than 7,500 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20266.29%▲ from 5.99%
- Sep 30, 20265.99%first recorded
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%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; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
Model Year: 2016-2019; rates adjusted based on Loan to Value (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, 20266.49%▲ from 6.24%
- Sep 20, 20266.24%first recorded
Auto loan; APR*
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Model years less than 2023
Model Year: 2016 and Older; APR range: 6.49% - 21.00%
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
Best Rate APR; Effective Date: October 1, 2026
- Oct 9, 20266.74%▲ from 6.59%
- Sep 14, 20266.59%first recorded
Effective Date: October 1, 2026; Best Rate APR
Year: 2020 - Older; Credit Tier: B; Max 100%
As Low As; Rates as low as (APR)
Minimum loan for 84 month term is $25,000
Model Year: 2025 - 2027; Rates listed also require an automatic transfer for monthly payments
As Low As; Max. Amount: 100%, including taxes and insurance
Loan limit not stated for this row
Base Rate; actual APR based on credit worthiness, loan amount, term and prepaid items
As Low As; Loan Amount (min/max): $20,000 / $300,000; Open Account
As Low As; Loan Amount (min/max): $20,000 / $300,000
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; Loan terms greater than 84 months only for vehicles with fewer than 7,500 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 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; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Model Year: 2015 or Older; rates adjusted based on Loan to Value (LTV)
As Low As; Rates as of Oct 30, 2026 ET
As Low As; Rates as of Oct 30, 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); Minimum loan amount $30,000 for 85-96 months; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Loan terms greater than 84 months only available for vehicles with fewer than 7,500 miles; Minimum loan amount is $30,000 for terms of 84-96 months; Rates as of Oct 26, 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%
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
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%
APR range: 8.49% - 18.99%
Published rate range: 8.50%-8.75%. Model Years: 2021 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.625%-8.875%. Model Years: 2022 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.75%-9.00%. Model Years: 2023, 2024, 2025, or 2026; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Used; loan limit not stated
APR range: 8.99% - 19.49%
Model Year: 2017 - 2015; Rates listed also require an automatic transfer for monthly payments
As Low As; Rates as of Oct 30, 2026 ET; Minimum amount financed: $25,000
Glenwood Springs 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 under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 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; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%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; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 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: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Year: 2026-2024; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
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; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
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
APR range: 4.99% - 17.99%
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Vehicle Loans
Base Rate; actual APR based on credit worthiness, loan amount, term and prepaid items
As Low As; Loan Amount (min/max): $1,000 / $300,000; Open Account
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; 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
APR range: 5.24% - 17.99%
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: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.25%▼ from 6.25%
- Sep 14, 20266.25%first recorded
Model Year: 2026-2024; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
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
APR range: 5.49% - 17.99%
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; Model Years 2023 - 2027
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; Model Years 2023 - 2027
As Low As; Model Years 2023 - 2027
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; Loan Amount (min/max): $5,000 / $300,000
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; as of Oct. 30, 2026; Rates displayed do not include the additional BofA Rewards discount up to 0.50%; Results shown are for VA
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
APR range: 5.74% - 17.99%
As Low As; Model Years 2023 - 2027
- 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: 2023-2021; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Year: 2026-2024; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
APR range: 5.99% - 17.99%
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Model Years 2023 - 2027
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; online applicants with excellent credit; last updated 10/27/2026
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
Model Year: 2023-2021; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Loan terms greater than 84 months only for vehicles with fewer than 7,500 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20266.29%▲ from 5.99%
- Sep 30, 20265.99%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, 20266.49%▲ from 6.24%
- Sep 20, 20266.24%first recorded
Auto loan; APR*
- 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; Rates as low as (APR)
As Low As; Max. Amount: 100%, including taxes and insurance
Loan limit not stated for this row
As Low As; Loan Amount (min/max): $20,000 / $300,000; Open Account
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Minimum loan amount $30,000 for 85-96 months; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Loan terms greater than 84 months only available for vehicles with fewer than 7,500 miles; Minimum loan amount is $30,000 for terms of 84-96 months; Rates as of Oct 26, 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
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
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
Published rate range: 8.50%-8.75%. Model Years: 2021 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.625%-8.875%. Model Years: 2022 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.75%-9.00%. Model Years: 2023, 2024, 2025, or 2026; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Glenwood Springs 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
Model Year: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%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
APR range: 4.99% - 17.99%
As Low As; Vehicle Loans
As Low As; Loan Amount (min/max): $1,000 / $300,000; Open Account
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 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; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
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
APR range: 5.24% - 17.99%
Longer terms available
- Oct 5, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Model Year: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.25%▼ from 6.25%
- Sep 14, 20266.25%first recorded
Year: 2020 - Older; Credit Tier: A; Max 100%
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
APR range: 5.49% - 17.99%
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
As Low As; Model Years 2023 - 2027
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; Model Years 2023 - 2027
As Low As; Model Years 2023 - 2027
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; Loan Amount (min/max): $5,000 / $300,000
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 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 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 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 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
APR range: 5.74% - 17.99%
As Low As; Model Years 2023 - 2027
- Oct 13, 20265.74%▼ from 5.99%
- Sep 22, 20265.99%first recorded
Model Year: 2023-2021; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Year: 2020 - Older; Credit Tier: A; Max 100%
As Low As; Rate Effective Date: October 1, 2026
Minimum loan for 75 month term is $15,000
As Low As; as of Oct. 30, 2026; Rates displayed do not include the additional BofA Rewards discount up to 0.50%; Results shown are for VA
As Low As; Rate Effective Date: October 1, 2026
APR range: 5.99% - 17.99%
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Model Years: 2016 - 2026; for 66 months or less with LTV 80% or less and automatic payment discount; Rate adjustments for extended terms and vehicle loan to value (LTV) apply; Used vehicle loans model years 2016 and newer, over $25,000, may have terms up to 84 months; Effective 10-06-2026
- Oct 5, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
As Low As; Model Years 2023 - 2027
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 worthiness, loan amount, term and prepaid items
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
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; online applicants with excellent credit; last updated 10/27/2026
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
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: 2023-2021; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
Year: 2020 - Older; Credit Tier: B; Max 100%
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
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
Year: 2020 - Older; Credit Tier: B; Max 100%
As Low As; Rates as low as (APR)
Minimum loan for 84 month term is $25,000
As Low As; Max. Amount: 100%, including taxes and insurance
Base Rate; actual APR based on credit worthiness, loan amount, term and prepaid items
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; Loan terms greater than 84 months only for vehicles with fewer than 7,500 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20267.28%▲ from 6.98%
- Sep 30, 20266.98%first recorded
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
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
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
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
Published rate range: 8.50%-8.75%. Model Years: 2021 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.625%-8.875%. Model Years: 2022 or newer; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Published rate range: 8.75%-9.00%. Model Years: 2023, 2024, 2025, or 2026; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
Glenwood Springs, CO Auto Loan Rate Trends
Compare local Glenwood Springs, 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 0.059 points over the past 7 days to 5.569% APR.
Colorado used auto rates rose 0.041 points over the past 7 days to 5.841% APR.
Glenwood Springs, 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 @ 5.57% APR CO average | Used Auto @ 5.84% APR CO average | Monthly Difference |
|---|---|---|---|
| $15,000 | $287.00/mo | $288.89/mo | $1.89/mo |
| $25,000 | $478.33/mo | $481.48/mo | $3.15/mo |
| $35,000 | $669.66/mo | $674.07/mo | $4.41/mo |
| $45,000 | $860.99/mo | $866.66/mo | $5.67/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 Glenwood Springs, Colorado
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Glenwood Springs, 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 Glenwood Springs, 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: Glenwood Springs, Colorado CD rates lock in a guaranteed return until you’re ready to buy
Glenwood Springs, Colorado Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $574 monthly car payment works out to roughly 16.5% of the median individual income in Glenwood Springs, 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 Glenwood Springs, 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 Glenwood Springs, 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 Glenwood Springs, 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 Glenwood Springs, 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 Glenwood Springs, 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 Glenwood Springs, 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 Glenwood Springs, Colorado
What are auto loan rates in Glenwood Springs, Colorado today?
How does my credit score affect my car loan rate in Glenwood Springs, 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 Glenwood Springs, 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 Glenwood Springs, Colorado?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Glenwood Springs, Colorado?
- Electrical Federal Credit Union: 3.74% (New/Used Auto Purchase)
- Navy Federal Credit Union: 4.19% (Auto Loan - New Vehicle)
- San Juan Mountains Credit Union: 4.25% (New Auto)
- Sunward Credit Union: 4.55% (Auto Loan - New & Used Vehicle)
- Sooper Credit Union: 4.64% (New & Used Car, Truck or SUV Purchase Loan)
Glenwood Springs, Colorado Rates & Resources
