Auto Loan Rates in Somerset, Colorado (CO) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Somerset, Colorado. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Somerset, Colorado include Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 1.71% offering Auto Loan at 3.49%, Metrum Community Credit UnionMetrum Community Credit UnionA+5.0 ★Texas Ratio: 1.43% offering NEW & USED AUTO at 4.64%, Horizons North Credit UnionHorizons North Credit UnionA+5.0 ★Texas Ratio: 0.05% offering Auto Loans at 4.89%, Power Credit UnionPower Credit UnionA5.0 ★Texas Ratio: 9.62% offering Auto Loan at 4.99%, Colorado Credit UnionColorado Credit UnionA+5.0 ★Texas Ratio: 2.36% offering Automobiles at 4.99%. Auto loan rates as of May 7, 2026 according to verified data from MonitorBankRates.
Somerset borrowers have access to 14 lenders serving the Colorado area, with auto loan rates as low as 3.49% APR from Electrical Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Somerset, Colorado. Auto Loan Rates Last Updated and Verified: May 7, 2026
Compare Auto Loan Rates Today in Somerset, Colorado & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Auto Loan
3.49%
60 Months
▼
APR3.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; with Relationship Pricing
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW & USED AUTO
4.64%
Up to 84 months
▼
APR4.64%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
As Low As; Purchase from a dealer or private party
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
REFINANCE NEW & USED AUTO
4.64%
Up to 72 months
▼
APR4.64%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; Refinance from another Financial
Horizons North Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Auto Loans
4.89%
72 months
▼
APR4.89%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As; New, used and refi
APR4.99%
TermUp to 36
Last UpdatedApr 19, 2026
Details
APR4.99%
TermUp to 36
Last UpdatedApr 19, 2026
Details
Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Automobiles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rate Adjusts with Term
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Auto Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2022 & Newer
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Auto Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedMay 6, 2026
Details
As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
As Low As
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
NEW AUTO 2023-2025
5.24%
0-72
▼
APR5.24%
Term0-72
Last UpdatedApr 19, 2026
Details
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details
As Low As
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 2, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rate Adjusts with Term
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2021 - 2018
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
New Auto
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 7, 2026
Details
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedMay 7, 2026
Details
As Low As
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
USED AUTO 2017-2022
6.24%
0-72
▼
APR6.24%
Term0-72
Last UpdatedApr 19, 2026
Details
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rate Adjusts with Term
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2017 & Older
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
Used Auto
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedMay 7, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW & USED AUTO
4.64%
Up to 84 months
▼
APR4.64%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
As Low As; Purchase from a dealer or private party
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
REFINANCE NEW & USED AUTO
4.64%
Up to 72 months
▼
APR4.64%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; Refinance from another Financial
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
New Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rate Adjusts with Term
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Auto Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2022 & Newer
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Auto Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedMay 6, 2026
Details
As Low As; 72 month term rates begin at 6.59% Financing available up to 100% of value
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
NEW AUTO 2023-2025
5.24%
0-72
▼
APR5.24%
Term0-72
Last UpdatedApr 19, 2026
Details
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details
As Low As
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 2, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
New Auto
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 7, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedMay 7, 2026
Details
As Low As
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
NEW & USED AUTO
4.64%
Up to 84 months
▼
APR4.64%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
As Low As; Purchase from a dealer or private party
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
REFINANCE NEW & USED AUTO
4.64%
Up to 72 months
▼
APR4.64%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; Refinance from another Financial
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
As Low As
Fellowship Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.92%
New/Used Auto Loans
5.49%
36 mo
▼
APR5.49%
Term36 mo
Last UpdatedApr 19, 2026
Details
As Low As
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedMay 2, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rate Adjusts with Term
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2021 - 2018
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedMay 7, 2026
Details
As Low As
Northern Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
USED AUTO 2017-2022
6.24%
0-72
▼
APR6.24%
Term0-72
Last UpdatedApr 19, 2026
Details
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
Used Auto Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rate Adjusts with Term
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Auto Loan
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As; Model Year: 2017 & Older
Polam Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.57%
Used Auto
6.95%
72 Months
▼
APR6.95%
Term72 Months
Last UpdatedMay 7, 2026
Details
Westminster Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.31%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Somerset, CO Auto Loan Rate Trends
Compare local Somerset, CO auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — CO Avg
5.016%
▲ 0.262 vs 7 days ago
Colorado new auto rates rose 0.262 points over the past 7 days to 5.016% APR.
Used Auto Loan — CO Avg
5.835%
▲ 0.268 vs 7 days ago
Colorado used auto rates rose 0.268 points over the past 7 days to 5.835% APR.
As of May 9, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Somerset, Colorado
How does my credit score affect my car loan rate in Colorado?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Somerset, Colorado with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Colorado *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Somerset, Colorado typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Somerset, Colorado?
Based on our current data, some of the lowest auto loan rates available in Somerset, Colorado include:
- Electrical Federal Credit Union: 3.49% (Auto Loan)
- Metrum Community Credit Union: 4.64% (NEW & USED AUTO)
- Horizons North Credit Union: 4.89% (Auto Loans)
- Power Credit Union: 4.99% (Auto Loan)
- Colorado Credit Union: 4.99% (Automobiles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Somerset, Colorado. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 7, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking