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Auto Loan Rates in Gallup, New Mexico (NM) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
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 Gallup, New Mexico. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 2, 2026

Current auto loan rates in Gallup, New Mexico include First Financial Credit UnionFirst Financial Credit Union1383 US Highway 491, Gallup, NM, 87301 5428A5.0 ★Texas Ratio: 10.46% offering New & Used Vehicles (Up to 5 Years Old) at 4.67%, Four Corners Federal Credit UnionFour Corners Federal Credit UnionA+5.0 ★Texas Ratio: 1.72% offering New Vehicle at 3.25%, Sandia Area Federal Credit UnionSandia Area Federal Credit UnionA+5.0 ★Texas Ratio: 1.03% offering Auto Refinance at 3.89%, US Eagle Federal Credit UnionUS Eagle Federal Credit UnionF1.5 ★Texas Ratio: 56.62% offering Auto Purchase or Refinance at 3.99%, Los Alamos Schools Credit UnionLos Alamos Schools Credit UnionA+5.0 ★Texas Ratio: 1.28% offering New Auto at 3.99%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.

Gallup has 1 local institution in our database, with auto loan rates as low as 4.67% APR from First Financial Credit Union at 1383 US Highway 491, Gallup, NM, 87301 5428. 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 Gallup, New Mexico. Auto Loan Rates Last Updated and Verified: May 2, 2026

Compare Auto Loan Rates Today in Gallup, New Mexico & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
View
▼
APR4.67%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
View
▼
APR5.09%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
View
▼
APR5.69%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
Used Vehicles (5-7 Years Old)
5.69%
36 Months
View
▼
APR5.69%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
View
▼
APR5.79%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
Used Vehicles (5-7 Years Old)
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
Used Vehicles (5-7 Years Old)
6.09%
60 Months
View
▼
APR6.09%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
Used Vehicles (5-7 Years Old)
6.59%
75 Months
View
▼
APR6.59%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
First Time Auto Buyer
16.99%
75 Months
View
▼
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
View
▼
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
View
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Auto Refinance
3.89%
for 36 months
View
▼
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%
Auto Purchase or Refinance
3.99%
36 Months
View
▼
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%
New and Used Auto Loans
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.55%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
New Auto Loan (2023 or newer)
4.74%
72-75 months
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.90%
48 months
View
▼
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%
Vehicle Loans
4.95%
36 Months
View
▼
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%
Auto Loan
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details

As Low As; Fixed

Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
4.99%
75 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.19%
Term24 Months
Last UpdatedApr 25, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.24%
37 to 66 months
View
▼
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%
Auto Loan
5.24%
60-month
View
▼
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%
Auto Loan
5.24%
6 Years
View
▼
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%
Auto Loan - Declining Rate Auto
5.24%
5 Years
View
▼
APR5.24%
Term5 Years
Last UpdatedMay 2, 2026
Details

As Low As; Fixed

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
New Vehicle
5.25%
84 Months
View
▼
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
View
▼
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
View
▼
APR5.29%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
5.30%
65 months
View
▼
APR5.30%
Term65 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.49%
72 Months
View
▼
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
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 25, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
5.50%
75 months
View
▼
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%
Vehicle Loans
5.65%
48 Months
View
▼
APR5.65%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
Vehicle Loans
5.75%
65 Months
View
▼
APR5.75%
Term65 Months
Last UpdatedMay 2, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.80%
60 Months
View
▼
APR5.80%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
Vehicle Loans
5.85%
75 Months
View
▼
APR5.85%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
New Auto
5.89%
84 Months
View
▼
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
View
▼
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
View
▼
APR5.90%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.94%
76 to 84 months
View
▼
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%
Auto Loan
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedMay 2, 2026
Details

As Low As; Fixed

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
6.00%
84 months
View
▼
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%
Vehicle Loans
6.05%
84 Months
View
▼
APR6.05%
Term84 Months
Last UpdatedMay 2, 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
View
▼
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.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
6.25%
61 - 75 months
View
▼
APR6.25%
Term61 - 75 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
6.25%
72 Months
View
▼
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
View
▼
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
View
▼
APR6.49%
Term84 months
Last UpdatedMay 2, 2026
Details

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.64%
Up to 65 months
View
▼
APR6.64%
TermUp to 65 months
Last UpdatedApr 17, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 60 months
6.69%
60 months
View
▼
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.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.74%
66 to 75 months
View
▼
APR6.74%
Term66 to 75 months
Last UpdatedApr 17, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 72 months
6.79%
72 months
View
▼
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.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.84%
Up to 60 months
View
▼
APR6.84%
TermUp to 60 months
Last UpdatedApr 17, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR7.49%
Term72-75 months
Last UpdatedMay 2, 2026
Details

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
7.54%
36 to 48 months
View
▼
APR7.54%
Term36 to 48 months
Last UpdatedApr 17, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Used Auto 36 months
7.54%
36 months
View
▼
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
View
▼
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.

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedMay 2, 2026
Details

$30,000; As Low As; Fixed

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Late Model Used Auto 60 months
7.74%
60 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR12.49%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As; All other used vehicles.

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
View
▼
APR4.67%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
View
▼
APR5.09%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
View
▼
APR5.69%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
View
▼
APR5.79%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 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
View
▼
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
View
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 17, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.09%
Term60 Months
Last UpdatedApr 25, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.24%
37 to 66 months
View
▼
APR5.24%
Term37 to 66 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
5.25%
84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.94%
76 to 84 months
View
▼
APR5.94%
Term76 to 84 months
Last UpdatedApr 17, 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
View
▼
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
View
▼
APR6.49%
Term84 months
Last UpdatedMay 2, 2026
Details

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.64%
Up to 65 months
View
▼
APR6.64%
TermUp to 65 months
Last UpdatedApr 17, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 60 months
6.69%
60 months
View
▼
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.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.74%
66 to 75 months
View
▼
APR6.74%
Term66 to 75 months
Last UpdatedApr 17, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 72 months
6.79%
72 months
View
▼
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.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.84%
Up to 60 months
View
▼
APR6.84%
TermUp to 60 months
Last UpdatedApr 17, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
New Auto 84 months
7.14%
84 months
View
▼
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.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
7.54%
36 to 48 months
View
▼
APR7.54%
Term36 to 48 months
Last UpdatedApr 17, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
View
▼
APR4.67%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
View
▼
APR5.09%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
View
▼
APR5.69%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
Used Vehicles (5-7 Years Old)
5.69%
36 Months
View
▼
APR5.69%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
View
▼
APR5.79%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
Used Vehicles (5-7 Years Old)
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
Used Vehicles (5-7 Years Old)
6.09%
60 Months
View
▼
APR6.09%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
1383 US Highway 491, Gallup, NM, 87301 5428
Used Vehicles (5-7 Years Old)
6.59%
75 Months
View
▼
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%
New and Used Auto Loans
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.55%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Used Vehicle
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
4.99%
75 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.19%
Term24 Months
Last UpdatedApr 25, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.24%
37 to 66 months
View
▼
APR5.24%
Term37 to 66 months
Last UpdatedApr 17, 2026
Details

As Low As

The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Used Auto
5.25%
72 Months
View
▼
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
View
▼
APR5.29%
Term36 Months
Last UpdatedApr 25, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
5.30%
65 months
View
▼
APR5.30%
Term65 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 25, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
5.50%
75 months
View
▼
APR5.50%
Term75 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
Used Auto
5.80%
60 Months
View
▼
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
View
▼
APR5.90%
Term72 Months
Last UpdatedApr 25, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
5.94%
76 to 84 months
View
▼
APR5.94%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
6.00%
84 months
View
▼
APR6.00%
Term84 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%
Used Auto Loans
6.25%
61 - 75 months
View
▼
APR6.25%
Term61 - 75 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
6.25%
72 Months
View
▼
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
View
▼
APR6.25%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
6.64%
Up to 65 months
View
▼
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%
New and Used Auto Loans
6.74%
66 to 75 months
View
▼
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%
New and Used Auto Loans
6.84%
Up to 60 months
View
▼
APR6.84%
TermUp to 60 months
Last UpdatedApr 17, 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
View
▼
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
View
▼
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
View
▼
APR7.49%
Term72-75 months
Last UpdatedMay 2, 2026
Details

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
New and Used Auto Loans
7.54%
36 to 48 months
View
▼
APR7.54%
Term36 to 48 months
Last UpdatedApr 17, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Used Auto 36 months
7.54%
36 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
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▼
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
View
▼
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
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▼
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
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▼
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
View
▼
APR12.49%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As; All other used vehicles.

Gallup, NM Auto Loan Rate Trends

Compare local Gallup, 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.

View Full New Mexico Auto Trends →
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 Gallup, 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 Gallup, 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 Gallup, 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 Gallup, New Mexico?

Based on our current data, some of the lowest auto loan rates available in Gallup, New Mexico include:
  • First Financial Credit Union: 4.67% (New & Used Vehicles (Up to 5 Years Old))
  • Four Corners Federal Credit Union: 3.25% (New Vehicle)
  • Sandia Area Federal Credit Union: 3.89% (Auto Refinance)
  • US Eagle Federal Credit Union: 3.99% (Auto Purchase or Refinance)
  • Los Alamos Schools Credit Union: 3.99% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Gallup, New Mexico. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026

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