Current auto loan rates in Chaparral, New Mexico include Four Corners Federal Credit UnionFour Corners Federal Credit UnionA+5.0 ★Texas Ratio: 1.61% offering New Vehicle Loan at 3.25%, US Eagle Federal Credit UnionUS Eagle Federal Credit UnionF1.5 ★Texas Ratio: 42.99% offering New and Used Auto Loans at 3.99%, Del Norte Credit UnionDel Norte Credit UnionA+5.0 ★Texas Ratio: 3.30% offering New and Used Auto Loans - Cars & Trucks at 3.99%, State Employees Credit UnionState Employees Credit UnionC3.8 ★Texas Ratio: 26.10% offering Auto Loans at 3.99%, Chaves County School Employees Credit UnionChaves County School Employees Credit UnionA+5.0 ★Texas Ratio: 0.02% offering New Vehicles Loan at 4.00%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Chaparral borrowers have access to 23 lenders serving the New Mexico area, with auto loan rates as low as 3.25% APR from Four Corners 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 Chaparral, New Mexico. Auto Loan Rates Last Updated and Verified: June 16, 2026
As Low As
As Low As
As Low As; MemPerx Max Benefit: as low as 3.59% APR
As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
As Low As; The Open Road is Calling With rates as low as 3.99% for 84 months - the route to better saving starts here!
As Low As; **
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+
As Low As
As Low As
As Low As
Limited-time auto loan rate from June 5th to July 31st. Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
As Low As; Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
As Low As
All loans quoted at 80% Loan to Value
As Low As; Now-July 7
As Low As
As Low As; Estimated Monthly Payments $597.00
As Low As; Estimated Monthly Payments: $597.00
As Low As; Qualified buyers: Take 90 days to make your first payment.
Vehicle Year: 2022 - 2027
As Low As
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+
As Low As
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As Low As; Vehicle Loans
As Low As
As Low As; Loyalty Plus & Online Application Discount: 4.39%
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 750+
As Low As
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As
As Low As; Estimated Monthly Payments $462.00
As Low As; Estimated Monthly Payments: $462.00
All loans quoted at 80% Loan to Value
As Low As
As Low As; Loyalty Plus & Online Application Discount: 4.59%
A+ Tier
As Low As; MemPerx Max Benefit: as low as 4.74% APR
Vehicle Year: 2022 - 2027
As Low As
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As
Rates by Year: 2015-2023; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749
As Low As
All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
As Low As; Loyalty Plus & Online Application Discount: 4.79%
A+ Tier
As Low As; (2023 - 2027)
As Low As; Estimated Monthly Payments $382.00
As Low As; Estimated Monthly Payments: $382.00
All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)
Vehicle Year: 2022 - 2027
over $15,000; As Low As
As Low As; (Cost over $15,000)
As Low As; Qualified buyers: Take 90 days to make your first payment.
A Tier
A+ Tier
As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As Low As; Vehicle Loans
As Low As; Estimated Monthly Payments $354.00
As Low As; Estimated Monthly Payments: $354.00
As Low As; Estimated Monthly Payments: $606.00
Vehicle Year: 2018 - 2021
As Low As
As Low As
As Low As
As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
Rates by Year: 2015-2023; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 700-749
As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As Low As; Vehicle Loans
As Low As; Estimated Monthly Payments $319.00
As Low As; Estimated Monthly Payments: $319.00
As Low As; Loyalty Plus & Online Application Discount: 5.19%
A Tier
A+ Tier
As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As Low As; Vehicle Loans
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As; MemPerx Max Benefit: as low as 5.44% APR
As Low As; Estimated Monthly Payments $366.00
As Low As; Estimated Monthly Payments: $366.00
As Low As; Estimated Monthly Payments: $470.00
Vehicle Year: 2022 - 2027
Rates by Year: 2015-2023; Tier Level: 6 Years (65-76M); Equifax Score: 750+
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 700-749
A Tier
A+ Tier
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.
As Low As; Vehicle Loans
As Low As; Estimated Monthly Payments: $388.00
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Vehicle Year: 2018 - 2021
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rates by Year: 2015-2023; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749
Rates by Year: 2024 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 700-749
As Low As
A Tier
As Low As
over $25,000; As Low As
As Low As; (Cost over $25,000)
A Tier
As Low As
As Low As; Estimated Monthly Payments: $327.00
B Tier
As Low As; MemPerx Max Benefit: as low as 6.14% APR
B Tier
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As; MemPerx Max Benefit: as low as 6.24% APR
Vehicle Year: 2018 - 2021
Rates by Year: 2015-2023; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 700-749
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 660-699
As Low As
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As; MemPerx Max Benefit: as low as 6.34% APR
B Tier
Rates by Year: 2015-2023; Tier Level: 6 Years (65-76M); Equifax Score: 700-749
As Low As
As Low As; Vehicles up to four years old or with more than 25,000 miles.
B Tier
As Low As
As Low As; (2019-2022)
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rates by Year: 2015-2023; Tier Level: 7 Years (77-88M); Equifax Score: 700-749
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 660-699
B Tier
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 660-699
As Low As
As Low As
As Low As; MemPerx Max Benefit: as low as 7.04% APR
As Low As; Vehicles up to four years old or with more than 25,000 miles.
As Low As
As Low As; (2018 and older)
As Low As; Vehicles up to four years old or with more than 25,000 miles.
$30,000; As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Rates by Year: 2014 or Older; Tier Level: Up to 5 Years (1-60M); Equifax Score: 750+
Rates by Year: 2015-2023; Tier Level: Up to 3 Years (1-36M); Equifax Score: 660-699
Rates by Year: 2024 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 660-699
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Rates by Year: 2015-2023; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 660-699
As Low As
C Tier
Rates by Year: 2015-2023; Tier Level: 6 Years (65-76M); Equifax Score: 660-699
As Low As
C Tier
Rates by Year: 2014 or Older; Tier Level: Up to 5 Years (1-60M); Equifax Score: 700-749
Rates by Year: 2015-2023; Tier Level: 7 Years (77-88M); Equifax Score: 660-699
As Low As
C Tier
C Tier
C Tier
As Low As
As Low As
Rates by Year: 2014 or Older; Tier Level: Up to 5 Years (1-60M); Equifax Score: 660-699
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 600-659
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 600-659
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 600-659
As Low As
As Low As
As Low As; MemPerx Max Benefit: as low as 3.59% APR
As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
As Low As; **
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+
As Low As
As Low As
All loans quoted at 80% Loan to Value
As Low As
As Low As; Estimated Monthly Payments $597.00
As Low As; Estimated Monthly Payments: $597.00
As Low As; Qualified buyers: Take 90 days to make your first payment.
Vehicle Year: 2022 - 2027
As Low As
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
As Low As
As Low As; Loyalty Plus & Online Application Discount: 4.39%
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 750+
As Low As
As Low As; Estimated Monthly Payments $462.00
As Low As; Estimated Monthly Payments: $462.00
All loans quoted at 80% Loan to Value
As Low As
A+ Tier
As Low As; MemPerx Max Benefit: as low as 4.74% APR
Vehicle Year: 2022 - 2027
As Low As
As Low As
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749
As Low As
All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
As Low As; Loyalty Plus & Online Application Discount: 4.79%
A+ Tier
As Low As; (2023 - 2027)
As Low As; Estimated Monthly Payments $382.00
As Low As; Estimated Monthly Payments: $382.00
All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)
Vehicle Year: 2022 - 2027
over $15,000; As Low As
As Low As; (Cost over $15,000)
As Low As; Qualified buyers: Take 90 days to make your first payment.
A Tier
A+ Tier
As Low As; Estimated Monthly Payments $354.00
As Low As; Estimated Monthly Payments: $354.00
Vehicle Year: 2018 - 2021
As Low As
As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
As Low As
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 700-749
As Low As; Estimated Monthly Payments $319.00
As Low As; Estimated Monthly Payments: $319.00
As Low As; Loyalty Plus & Online Application Discount: 5.19%
A Tier
A+ Tier
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As; MemPerx Max Benefit: as low as 5.44% APR
As Low As; Estimated Monthly Payments $366.00
As Low As; Estimated Monthly Payments: $366.00
Vehicle Year: 2022 - 2027
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 700-749
A Tier
A+ Tier
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Vehicle Year: 2018 - 2021
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rates by Year: 2024 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 700-749
A Tier
As Low As
over $25,000; As Low As
As Low As; (Cost over $25,000)
A Tier
As Low As
B Tier
As Low As; MemPerx Max Benefit: as low as 6.14% APR
B Tier
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As; MemPerx Max Benefit: as low as 6.24% APR
Vehicle Year: 2018 - 2021
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 660-699
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As; MemPerx Max Benefit: as low as 6.34% APR
B Tier
B Tier
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 660-699
B Tier
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 660-699
As Low As; MemPerx Max Benefit: as low as 7.04% APR
Rates by Year: 2024 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 660-699
C Tier
C Tier
C Tier
C Tier
C Tier
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 600-659
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 600-659
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 600-659
As Low As; MemPerx Max Benefit: as low as 3.59% APR
As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
As Low As
As Low As
All loans quoted at 80% Loan to Value
As Low As
As Low As; Estimated Monthly Payments $597.00
As Low As; Estimated Monthly Payments: $597.00
As Low As; Qualified buyers: Take 90 days to make your first payment.
Vehicle Year: 2022 - 2027
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
As Low As
As Low As
As Low As; Estimated Monthly Payments $462.00
As Low As; Estimated Monthly Payments: $462.00
All loans quoted at 80% Loan to Value
As Low As
As Low As; Loyalty Plus & Online Application Discount: 4.59%
As Low As; MemPerx Max Benefit: as low as 4.74% APR
Vehicle Year: 2022 - 2027
All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
As Low As; Estimated Monthly Payments $382.00
As Low As; Estimated Monthly Payments: $382.00
All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)
Vehicle Year: 2022 - 2027
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Estimated Monthly Payments $354.00
As Low As; Estimated Monthly Payments: $354.00
As Low As; Estimated Monthly Payments: $606.00
Vehicle Year: 2018 - 2021
As Low As
As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Estimated Monthly Payments $319.00
As Low As; Estimated Monthly Payments: $319.00
As Low As; MemPerx Max Benefit: as low as 5.44% APR
As Low As; Estimated Monthly Payments $366.00
As Low As; Estimated Monthly Payments: $366.00
As Low As; Estimated Monthly Payments: $470.00
Vehicle Year: 2022 - 2027
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Estimated Monthly Payments: $388.00
Vehicle Year: 2018 - 2021
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
As Low As; Estimated Monthly Payments: $327.00
As Low As; MemPerx Max Benefit: as low as 6.14% APR
As Low As; MemPerx Max Benefit: as low as 6.24% APR
Vehicle Year: 2018 - 2021
As Low As; MemPerx Max Benefit: as low as 6.34% APR
As Low As
As Low As; Vehicles up to four years old or with more than 25,000 miles.
As Low As
As Low As; (2019-2022)
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
As Low As; MemPerx Max Benefit: as low as 7.04% APR
As Low As; Vehicles up to four years old or with more than 25,000 miles.
As Low As
As Low As; (2018 and older)
As Low As; Vehicles up to four years old or with more than 25,000 miles.
As Low As; Vehicles up to four years old or with more than 25,000 miles.
As Low As; Vehicles up to four years old or with more than 25,000 miles.
As Low As
As Low As
As Low As
As Low As
Compare local Chaparral, 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 Mexico new auto rates rose 0.047 points over the past 7 days to 6.026% APR.
New Mexico used auto rates fell 0.285 points over the past 7 days to 6.055% APR.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Chaparral, New Mexico 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 Chaparral, New Mexico 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 Chaparral, New Mexico. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NM.
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.