Auto Loan Rates in Albuquerque, New Mexico (NM) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Albuquerque, New Mexico. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Albuquerque, New Mexico include Sandia Area Federal Credit UnionSandia Area Federal Credit Union1850 Wyoming Blvd SE, Albuquerque, NM, 87117A+5.0 ★Texas Ratio: 1.03% offering Auto Refinance at 3.89%, US Eagle Federal Credit UnionUS Eagle Federal Credit Union3939 Osuna Rd NE, Albuquerque, NM, 87109 4431F1.5 ★Texas Ratio: 56.62% offering Auto Purchase or Refinance at 3.99%, First Financial Credit UnionFirst Financial Credit Union2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160A5.0 ★Texas Ratio: 10.46% offering New & Used Vehicles (Up to 5 Years Old) at 4.67%, Nusenda Federal Credit UnionNusenda Federal Credit Union4100 Pan American FWY NE, Albuquerque, NM, 87107A+5.0 ★Texas Ratio: 4.72% offering Used Auto Loans at 4.74%, Rio Grande Credit UnionRio Grande Credit Union301 Rio Bravo Blvd SE, Albuquerque, NM, 87105A5.0 ★Texas Ratio: 11.04% offering Vehicle Loans at 4.95%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Albuquerque has 7 local institutions in our database, with auto loan rates as low as 3.89% APR from Sandia Area Federal Credit Union at 1850 Wyoming Blvd SE, Albuquerque, NM, 87117. 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 Albuquerque, New Mexico. Auto Loan Rates Last Updated and Verified: May 2, 2026
Compare Auto Loan Rates Today in Albuquerque, New Mexico & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Auto Refinance
3.89%
for 36 months
▼
APR3.89%
Termfor 36 months
Last UpdatedApr 26, 2026
Details
APR as low as for 36 months
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
Auto Purchase or Refinance
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details
As low as
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Vehicle Loans
4.95%
36 Months
▼
APR4.95%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedApr 17, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
9200 Golf Course Rd NW, Albuquerque, NM, 87114 5891
Auto Loan
5.24%
60-month
▼
APR5.24%
Term60-month
Last UpdatedMay 2, 2026
Details
As Low As; New & used car loans
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
5.30%
65 months
▼
APR5.30%
Term65 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
5.50%
75 months
▼
APR5.50%
Term75 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Vehicle Loans
5.65%
48 Months
▼
APR5.65%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Vehicle Loans
5.75%
65 Months
▼
APR5.75%
Term65 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Vehicle Loans
5.85%
75 Months
▼
APR5.85%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Vehicle Loans
6.05%
84 Months
▼
APR6.05%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
6.09%
60 Months
▼
APR6.09%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
6.25%
61 - 75 months
▼
APR6.25%
Term61 - 75 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
6.59%
75 Months
▼
APR6.59%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedApr 17, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedApr 17, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedApr 17, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMay 2, 2026
Details
$30,000; As Low As; Fixed
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
First Time Auto Buyer
16.99%
75 Months
▼
APR16.99%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As; $20,000 max
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
3.99%
75 Months
▼
APR3.99%
Term75 Months
Last UpdatedMay 2, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles
4.00%
Up to 60
▼
APR4.00%
TermUp to 60
Last UpdatedApr 19, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedApr 25, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles
4.50%
61 - 72
▼
APR4.50%
Term61 - 72
Last UpdatedApr 19, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less)
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedApr 19, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (5 - 10 years old)
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedApr 19, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMay 2, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.55%
36 Months
▼
APR4.55%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
4.74%
72-75 months
▼
APR4.74%
Term72-75 months
Last UpdatedMay 2, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 24 months
4.74%
24 months
▼
APR4.74%
Term24 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedMay 2, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedApr 25, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedApr 25, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 25, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 25, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedApr 25, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.89%
84 Months
▼
APR5.89%
Term84 Months
Last UpdatedApr 25, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 36 months
5.89%
36 months
▼
APR5.89%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedApr 25, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 48 months
6.14%
48 months
▼
APR6.14%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Auto Over 10 Years Old
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 2, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 60 months
6.69%
60 months
▼
APR6.69%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 72 months
6.79%
72 months
▼
APR6.79%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2016-2022)
6.99%
60 months
▼
APR6.99%
Term60 months
Last UpdatedMay 2, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Used Auto 24 months
7.04%
24 months
▼
APR7.04%
Term24 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 84 months
7.14%
84 months
▼
APR7.14%
Term84 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2016-2022)
7.49%
72-75 months
▼
APR7.49%
Term72-75 months
Last UpdatedMay 2, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Used Auto 36 months
7.54%
36 months
▼
APR7.54%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto 48 months
7.64%
48 months
▼
APR7.64%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto 60 months
7.74%
60 months
▼
APR7.74%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto 66 months
8.05%
66 months
▼
APR8.05%
Term66 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedMay 2, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
8.75%
36 months
▼
APR8.75%
Term36 months
Last UpdatedMay 2, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
9.25%
48 months
▼
APR9.25%
Term48 months
Last UpdatedMay 2, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
10.00%
60 months
▼
APR10.00%
Term60 months
Last UpdatedMay 2, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto 60 months
12.49%
60 months
▼
APR12.49%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As; All other used vehicles.
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedApr 17, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedApr 17, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedApr 17, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
3.99%
75 Months
▼
APR3.99%
Term75 Months
Last UpdatedMay 2, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles
4.00%
Up to 60
▼
APR4.00%
TermUp to 60
Last UpdatedApr 19, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedApr 25, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles
4.50%
61 - 72
▼
APR4.50%
Term61 - 72
Last UpdatedApr 19, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMay 2, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
4.74%
72-75 months
▼
APR4.74%
Term72-75 months
Last UpdatedMay 2, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 24 months
4.74%
24 months
▼
APR4.74%
Term24 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedApr 25, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 25, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.89%
84 Months
▼
APR5.89%
Term84 Months
Last UpdatedApr 25, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 36 months
5.89%
36 months
▼
APR5.89%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 48 months
6.14%
48 months
▼
APR6.14%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 2, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 60 months
6.69%
60 months
▼
APR6.69%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 72 months
6.79%
72 months
▼
APR6.79%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 84 months
7.14%
84 months
▼
APR7.14%
Term84 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedApr 17, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
5.30%
65 months
▼
APR5.30%
Term65 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
5.50%
75 months
▼
APR5.50%
Term75 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
6.09%
60 Months
▼
APR6.09%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Used Auto Loans
6.25%
61 - 75 months
▼
APR6.25%
Term61 - 75 months
Last UpdatedApr 17, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
6.59%
75 Months
▼
APR6.59%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedApr 17, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedApr 17, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedApr 17, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less)
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedApr 19, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (5 - 10 years old)
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedApr 19, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.55%
36 Months
▼
APR4.55%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedMay 2, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.19%
24 Months
▼
APR5.19%
Term24 Months
Last UpdatedApr 25, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 25, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedApr 25, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedApr 25, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Auto Over 10 Years Old
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2016-2022)
6.99%
60 months
▼
APR6.99%
Term60 months
Last UpdatedMay 2, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Used Auto 24 months
7.04%
24 months
▼
APR7.04%
Term24 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2016-2022)
7.49%
72-75 months
▼
APR7.49%
Term72-75 months
Last UpdatedMay 2, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Used Auto 36 months
7.54%
36 months
▼
APR7.54%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto 48 months
7.64%
48 months
▼
APR7.64%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto 60 months
7.74%
60 months
▼
APR7.74%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto 66 months
8.05%
66 months
▼
APR8.05%
Term66 months
Last UpdatedMay 2, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedMay 2, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
8.75%
36 months
▼
APR8.75%
Term36 months
Last UpdatedMay 2, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
9.25%
48 months
▼
APR9.25%
Term48 months
Last UpdatedMay 2, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
Used Auto Loan (2015 and older)
10.00%
60 months
▼
APR10.00%
Term60 months
Last UpdatedMay 2, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto 60 months
12.49%
60 months
▼
APR12.49%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As; All other used vehicles.
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MonitorBankRates
Albuquerque, NM Auto Loan Rate Trends
Compare local Albuquerque, NM 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 — NM Avg
5.001%
▼ 0.006 vs 7 days ago
New Mexico new auto rates fell 0.006 points over the past 7 days to 5.001% APR.
Used Auto Loan — NM Avg
5.844%
▲ 0.015 vs 7 days ago
New Mexico used auto rates rose 0.015 points over the past 7 days to 5.844% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Albuquerque, New Mexico
How does my credit score affect my car loan rate in New Mexico?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Albuquerque, New Mexico 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 New Mexico *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 Albuquerque, New Mexico 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 Albuquerque, New Mexico?
Based on our current data, some of the lowest auto loan rates available in Albuquerque, New Mexico include:
- Sandia Area Federal Credit Union: 3.89% (Auto Refinance)
- US Eagle Federal Credit Union: 3.99% (Auto Purchase or Refinance)
- First Financial Credit Union: 4.67% (New & Used Vehicles (Up to 5 Years Old))
- Nusenda Federal Credit Union: 4.74% (Used Auto Loans)
- Rio Grande Credit Union: 4.95% (Vehicle Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Albuquerque, New Mexico. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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