Wellington, Colorado Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Wellington, Colorado auto loan rates from lenders serving Colorado range from 3.74% to 17.50% APR, verified by MonitorBankRates as of October 14, 2026. Current auto loan rates in Wellington, Colorado include Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 2.60% offering New/Used Auto Purchase at 3.74%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, SunwardSunwardA+5.0 ★Texas Ratio: 2.97% offering New & Used Vehicle Loan at 4.18%, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit UnionA5.0 ★Texas Ratio: 8.22% offering New Auto - FIXED at 4.24%, San Juan Mountains Credit UnionSan Juan Mountains Credit UnionA+5.0 ★Texas Ratio: 1.71% offering New and Used Auto - 60 Months at 4.25%. Auto loan rates as of October 14, 2026 according to verified data from MonitorBankRates.
Wellington borrowers have access to 31 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 Wellington, Colorado. Auto Loan Rates Last Updated and Verified: October 14, 2026
Compare Auto Loan Rates Today in Wellington, Colorado & Surrounding Area
Wellington Auto Loan Rates
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Year: 2026-2024; Credit Tier: Max 100%1 A
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Year: 2023-2021; Credit Tier: Max 100%1 A
Year: 2026-2024; Credit Tier: Max 100%1 A
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As; APR as low as 4.89%; Rate based on credit worthiness and term of loan; Rates effective as of February 2026
As Low As; 72 month term rates begin at 6.59%; Financing available up to 100% of value
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
Rates shown include a 2.00% discount for automatic loan payments.
Auto Loan Rates
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
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 column
As Low As; Rate (APR) As Low As column
As Low As; Model Years: 2023-2026; Rate Range: 4.99%-21.00%; Terms longer than 63 months require a minimum finance amount
Base Rate; Model Year: 2023-2025
As Low As; Loans starting at 4.99% APR; Online application (24/7), apply in person available
As Low As; Any age of vehicle; Purchased from a dealer or private party; Up to 130% of NADA Retail Value; Apply Online
- Oct 9, 20265.14%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As; Model Years: 2020-2022; Rate Range: 5.15%-21.00%; Terms longer than 63 months require a minimum finance amount
As Low As; Business Vehicle Loan Rates; 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
- Oct 8, 20265.24%▲ from 4.99%
- Sep 20, 20264.99%first recorded
As Low As; APR up to 21.00%; APR based on qualified credit, 80% LTV, 48-month term and auto pay enrollment from an On Tap Credit Union account; Effective: October 1, 2026
Longer terms available
- Oct 5, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Example loan $15,000; example payment $350.06
- Oct 10, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
Year: 2026-2024; Credit Tier: Max 100%1 B
Year: 2023-2021; Credit Tier: Max 100%1 A
Max 100%1 A Credit Tier
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
- Oct 5, 20265.34%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans
- Oct 9, 20265.37%▲ from 5.12%
- Sep 18, 20265.12%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
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; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Max. Amount: 100%, including taxes and insurance
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Rates shown include a 2.00% discount for automatic loan payments.
Rates shown include a 2.00% discount for automatic loan payments.
Auto Loan Rates
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; APR*
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; APR*
As Low As; APR*
Years: 2020-2022; APR range: 5.49% - 20.74%; Rate may vary based on credit history, term, miles and other qualifications
Lowest Rate column; APR* = Annual Percentage Rate for best rates; rate may be higher depending on credit history and underwriting
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
Lowest Rate column; APR* = Annual Percentage Rate for best rates; rate may be higher depending on credit history and underwriting
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
Published APR range: 5.49% - 17.99%. As Low As; APR range shown as 5.49% - 17.99%; Effective Date: October 1, 2026
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans
- Oct 9, 20265.60%▲ from 5.35%
- Sep 18, 20265.35%first recorded
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Rates quoted as of 10/01/2026
- 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
Effective Date: October 1, 2026; Best Rate APR
As Low As; APR*
- Oct 13, 20265.74%▼ from 5.99%
- Sep 22, 20265.99%first recorded
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
Year: 2023-2021; Credit Tier: Max 100%1 B
Year: 2026-2024; Credit Tier: Max 100%1 B
Max 100%1 A Credit Tier
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans
- Oct 9, 20265.84%▲ from 5.58%
- Sep 18, 20265.58%first recorded
Minimum loan for 75 month term is $15,000; term and rates on secured loans depend on age of security and mileage
- Oct 5, 20265.84%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Rates shown include a 2.00% discount for automatic loan payments.
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
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; (for 66 months or less with LTV 80% or less and automatic payment discount); Rate adjustments for extended terms and LTV apply; New vehicle loans less than $25,000 may have terms of up to 75 months; New vehicle loans over $25,000 may have terms of up to 84 months
As Low As; Model Year: 2016 - 2026; 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
Rates shown include a 2.00% discount for automatic loan payments.
As Low As; APR*
As Low As; Model Years less than 2023; APR*
As Low As; Model Years less than 2023; APR*
As Low As; Model Years less than 2023; APR*
Years: 2017-2019; APR range: 5.99% - 21.00%; Rate may vary based on credit history, term, miles and other qualifications
Base Rate; Model Year: 2017-2022
As Low As; Model Years less than 2023; APR*
As Low As; Vehicle Loans; Rates as of 09/01/2026
- Oct 9, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Year: 2023-2021; Credit Tier: Max 100%1 B
- Oct 9, 20266.25%▲ from 5.75%
- Sep 14, 20265.75%first recorded
Max 100%1 B Credit Tier
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Vehicle Loans; Rates as of 09/01/2026
- Oct 9, 20266.29%▲ from 5.79%
- Sep 14, 20265.79%first recorded
As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans
- Oct 9, 20266.33%▲ from 6.08%
- Sep 18, 20266.08%first recorded
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Vehicle Loans; Rates as of 09/01/2026
- Oct 9, 20266.34%▲ from 5.84%
- Sep 14, 20265.84%first recorded
Rates shown include a 2.00% discount for automatic loan payments.
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20266.49%▲ from 6.24%
- Sep 20, 20266.24%first recorded
Auto Loan Rates
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Model Years less than 2023; APR*
Years: 2016 and Older; APR range: 6.49% - 21.00%; Rate may vary based on credit history, term, miles and other qualifications
As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans
- Oct 9, 20266.58%▲ from 6.32%
- Sep 18, 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
Effective Date: October 1, 2026; Best Rate APR
Fixed Rate; Minimum 2 years in business; Minimum loan amount $2,000; Effective 10-06-2026
- Oct 13, 20266.75%▼ from 8.00%
- Sep 14, 20268.00%first recorded
Max 100%1 B Credit Tier
As Low As; Rates as low as (APR)
Minimum loan for 84 month term is $25,000; term and rates on secured loans depend on age of security and mileage
- Oct 5, 20266.84%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Max. Amount: 100%, including taxes and insurance
Base Rate; Model Year: 2016
Fixed APR; lowest rates for Tier 1 credit, including automatic payment discount from an NGFCU checking or savings account; subject to credit and collateral approval
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles; Minimum loan amount $30,000 for terms of 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Loan terms greater than 84 months only for vehicles with fewer than 7,500 miles; Minimum loan amount $30,000 for 85-96 months; Rates as of Oct 13, 2026 ET
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Rates as of Oct 13, 2026 ET
As Low As; Rates as of Oct 13, 2026 ET
APR range: 7.49% - 16.99%
APR range: 7.99% - 17.49%
APR range: 7.99% - 18.24%
As Low As; APR up to 21.00%; APR based on qualified credit, 80% LTV, 48-month term and auto pay enrollment; Effective: October 1, 2026
- Oct 5, 20268.24%▲ from 7.99%
- Sep 18, 20267.99%first recorded
APR range: 8.49% - 18.74%
APR range: 8.49% - 18.99%
APR range: 8.99% - 19.49%
As Low As; Rate (APR) As Low As column
As Low As; Minimum amount financed $25,000; Rates as of Oct 13, 2026 ET
As Low As; Minimum amount financed $25,000; Rates as of Oct 13, 2026 ET
As Low As; Minimum amount financed $30,000; Rates as of Oct 13, 2026 ET
As Low As; Rate (APR) As Low As column
Year: 2026-2024; Credit Tier: Max 100%1 C
- Oct 9, 202611.25%▼ from 11.75%
- Sep 14, 202611.75%first recorded
Effective Date: October 1, 2026
- Oct 9, 202611.50%▲ from 11.35%
- Sep 14, 202611.35%first recorded
Year: 2023-2021; Credit Tier: Max 100%1 C
Year: 2026-2024; Credit Tier: Max 100%1 C
Effective Date: October 1, 2026
- Oct 9, 202612.00%▲ from 11.85%
- Sep 14, 202611.85%first recorded
Year: 2023-2021; Credit Tier: Max 100%1 C
- Oct 9, 202612.25%▲ from 11.75%
- Sep 14, 202611.75%first recorded
Max 100%1 C Credit Tier
Effective Date: October 1, 2026
- Oct 9, 202612.50%▲ from 12.35%
- Sep 14, 202612.35%first recorded
Max 100%1 C Credit Tier
Effective Date: October 1, 2026
- Oct 9, 202613.50%▲ from 13.35%
- Sep 14, 202613.35%first recorded
Year: 2026-2024; Credit Tier: Max 100%1 D
- Oct 9, 202616.00%▼ from 16.50%
- Sep 14, 202616.50%first recorded
Year: 2023-2021; Credit Tier: Max 100%1 D
Year: 2026-2024; Credit Tier: Max 100%1 D
Year: 2023-2021; Credit Tier: Max 100%1 D
- Oct 9, 202617.00%▲ from 16.50%
- Sep 14, 202616.50%first recorded
Max 100%1 D Credit Tier
Max 100%1 D Credit Tier
Wellington New Auto Auto Loan Rates
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Year: 2026-2024; Credit Tier: Max 100%1 A
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Year: 2023-2021; Credit Tier: Max 100%1 A
Year: 2026-2024; Credit Tier: Max 100%1 A
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As; 72 month term rates begin at 6.59%; Financing available up to 100% of value
Rates shown include a 2.00% discount for automatic loan payments.
Auto Loan Rates
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Rate (APR) As Low As column
Base Rate; Model Year: 2023-2025
As Low As; Any age of vehicle; Purchased from a dealer or private party; Up to 130% of NADA Retail Value; Apply Online
- Oct 9, 20265.14%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As; Rates quoted as of 10/01/2026
- 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; Lowest rate shown with 100% LTV
Year: 2026-2024; Credit Tier: Max 100%1 B
Year: 2023-2021; Credit Tier: Max 100%1 A
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Max. Amount: 100%, including taxes and insurance
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Rates shown include a 2.00% discount for automatic loan payments.
Auto Loan Rates
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; APR*
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; APR*
As Low As; APR*
Lowest Rate column; APR* = Annual Percentage Rate for best rates; rate may be higher depending on credit history and underwriting
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
Published APR range: 5.49% - 17.99%. As Low As; APR range shown as 5.49% - 17.99%; Effective Date: October 1, 2026
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20265.74%▲ from 5.49%
- Sep 20, 20265.49%first recorded
As Low As; APR*
- Oct 13, 20265.74%▼ from 5.99%
- Sep 22, 20265.99%first recorded
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
Year: 2023-2021; Credit Tier: Max 100%1 B
Year: 2026-2024; Credit Tier: Max 100%1 B
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
Rates shown include a 2.00% discount for automatic loan payments.
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount); Rate adjustments for extended terms and LTV apply; New vehicle loans less than $25,000 may have terms of up to 75 months; New vehicle loans over $25,000 may have terms of up to 84 months
As Low As; APR*
Year: 2023-2021; Credit Tier: Max 100%1 B
- Oct 9, 20266.25%▲ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20266.49%▲ from 6.24%
- Sep 20, 20266.24%first recorded
Auto Loan Rates
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Rates as low as (APR)
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles; Minimum loan amount $30,000 for terms of 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Loan terms greater than 84 months only for vehicles with fewer than 7,500 miles; Minimum loan amount $30,000 for 85-96 months; Rates as of Oct 13, 2026 ET
Year: 2026-2024; Credit Tier: Max 100%1 C
- Oct 9, 202611.25%▼ from 11.75%
- Sep 14, 202611.75%first recorded
Year: 2023-2021; Credit Tier: Max 100%1 C
Year: 2026-2024; Credit Tier: Max 100%1 C
Year: 2023-2021; Credit Tier: Max 100%1 C
- Oct 9, 202612.25%▲ from 11.75%
- Sep 14, 202611.75%first recorded
Year: 2026-2024; Credit Tier: Max 100%1 D
- Oct 9, 202616.00%▼ from 16.50%
- Sep 14, 202616.50%first recorded
Year: 2023-2021; Credit Tier: Max 100%1 D
Year: 2026-2024; Credit Tier: Max 100%1 D
Year: 2023-2021; Credit Tier: Max 100%1 D
- Oct 9, 202617.00%▲ from 16.50%
- Sep 14, 202616.50%first recorded
Wellington Used Auto Auto Loan Rates
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
Year: 2026-2024; Credit Tier: Max 100%1 A
- Oct 9, 20264.25%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
Year: 2023-2021; Credit Tier: Max 100%1 A
Year: 2026-2024; Credit Tier: Max 100%1 A
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As
As Low As; Rate (APR) As Low As column
As Low As; Any age of vehicle; Purchased from a dealer or private party; Up to 130% of NADA Retail Value; Apply Online
- Oct 9, 20265.14%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As; Business Vehicle Loan Rates; 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
- 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
Year: 2026-2024; Credit Tier: Max 100%1 B
Year: 2023-2021; Credit Tier: Max 100%1 A
Max 100%1 A Credit Tier
As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
- Oct 5, 20265.34%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Max. Amount: 100%, including taxes and insurance
Rates shown include a 2.00% discount for automatic loan payments.
As Low As; APR*
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; APR*
As Low As; APR*
Lowest Rate column; APR* = Annual Percentage Rate for best rates; rate may be higher depending on credit history and underwriting
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
Published APR range: 5.49% - 17.99%. As Low As; APR range shown as 5.49% - 17.99%; Effective Date: October 1, 2026
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20265.74%▲ from 5.49%
- Sep 20, 20265.49%first recorded
As Low As; APR*
- Oct 13, 20265.74%▼ from 5.99%
- Sep 22, 20265.99%first recorded
Year: 2023-2021; Credit Tier: Max 100%1 B
Year: 2026-2024; Credit Tier: Max 100%1 B
Max 100%1 A Credit Tier
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
Minimum loan for 75 month term is $15,000; term and rates on secured loans depend on age of security and mileage
- Oct 5, 20265.84%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Rate Effective Date: October 1, 2026; Lowest rate shown with 100% LTV
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; Effective 10-06-2026
- Oct 5, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Rates shown include a 2.00% discount for automatic loan payments.
As Low As; APR*
As Low As; Model Years less than 2023; APR*
As Low As; Model Years less than 2023; APR*
As Low As; Model Years less than 2023; APR*
Base Rate; Model Year: 2017-2022
As Low As; Model Years less than 2023; APR*
Year: 2023-2021; Credit Tier: Max 100%1 B
- Oct 9, 20266.25%▲ from 5.75%
- Sep 14, 20265.75%first recorded
Max 100%1 B Credit Tier
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Rates shown include a 2.00% discount for automatic loan payments.
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20266.49%▲ from 6.24%
- Sep 20, 20266.24%first recorded
As Low As; Model Years less than 2023; APR*
Max 100%1 B Credit Tier
As Low As; Rates as low as (APR)
Minimum loan for 84 month term is $25,000; term and rates on secured loans depend on age of security and mileage
- Oct 5, 20266.84%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Max. Amount: 100%, including taxes and insurance
Base Rate; Model Year: 2016
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
Year: 2026-2024; Credit Tier: Max 100%1 C
- Oct 9, 202611.25%▼ from 11.75%
- Sep 14, 202611.75%first recorded
Year: 2023-2021; Credit Tier: Max 100%1 C
Year: 2026-2024; Credit Tier: Max 100%1 C
Year: 2023-2021; Credit Tier: Max 100%1 C
- Oct 9, 202612.25%▲ from 11.75%
- Sep 14, 202611.75%first recorded
Max 100%1 C Credit Tier
Max 100%1 C Credit Tier
Year: 2026-2024; Credit Tier: Max 100%1 D
- Oct 9, 202616.00%▼ from 16.50%
- Sep 14, 202616.50%first recorded
Year: 2023-2021; Credit Tier: Max 100%1 D
Year: 2026-2024; Credit Tier: Max 100%1 D
Year: 2023-2021; Credit Tier: Max 100%1 D
- Oct 9, 202617.00%▲ from 16.50%
- Sep 14, 202616.50%first recorded
Max 100%1 D Credit Tier
Max 100%1 D Credit Tier
Wellington, CO Auto Loan Rate Trends
Compare local Wellington, 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 fell 0.004 points over the past 7 days to 5.311% APR.
Colorado used auto rates rose 0.073 points over the past 7 days to 5.710% APR.
Wellington, 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 @ 5.31% APR CO average | Used Auto @ 5.71% APR CO average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.21/mo | $287.97/mo | $2.77/mo |
| $25,000 | $475.35/mo | $479.96/mo | $4.61/mo |
| $35,000 | $665.48/mo | $671.94/mo | $6.45/mo |
| $45,000 | $855.62/mo | $863.92/mo | $8.30/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 Wellington, Colorado
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Wellington, 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 Wellington, 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: Wellington, Colorado CD rates lock in a guaranteed return until you’re ready to buy
Wellington, Colorado Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $570 monthly car payment works out to roughly 13.0% of the median individual income in Wellington, 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 Wellington, 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 Wellington, 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 Wellington, 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 Wellington, 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 Wellington, 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 Wellington, 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 Wellington, 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 Wellington, 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 Wellington, Colorado?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Wellington, Colorado?
- Electrical Federal Credit Union: 3.74% (New/Used Auto Purchase)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- Sunward: 4.18% (New & Used Vehicle Loan)
- Northrop Grumman Federal Credit Union: 4.24% (New Auto - FIXED)
- San Juan Mountains Credit Union: 4.25% (New and Used Auto - 60 Months)
Wellington, Colorado Rates & Resources
