Auto Loan Rates in Ramah, New Mexico (NM) for May 2026
Brian McKay
Brian McKay
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Current auto loan rates in Ramah, New Mexico include 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%, Chaves County School Employees Credit UnionChaves County School Employees Credit UnionA+5.0 ★Texas Ratio: 0.02% offering New Vehicles at 4.00%, Cannon Federal Credit UnionCannon Federal Credit UnionA+5.0 ★Texas Ratio: 1.10% offering New Auto at 4.19%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Ramah borrowers have access to 17 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 Ramah, New Mexico. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Ramah, New Mexico & Surrounding Area
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As Low As; Loyalty Plus & Online Application Discount
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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; Vehicle Year: 2022 - 2027
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As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As; Up to36 Months
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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; 37-48 Months
As Low As; APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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; APR=Annual Percentage Rate, effective for current and past three model years. We have good rates for older models as well. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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.
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As Low As; Vehicle Year: 2022 - 2027
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As Low As; 49-66 Months
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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.
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As Low As; (Cost over $15,000)
over $15,000; As Low As
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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; APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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; APR=Annual Percentage Rate, effective for current and past three model years. We have good rates for older models as well. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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.
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As Low As; Vehicle Year: 2018 - 2021
As Low As; 67-75 Months
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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; APR=Annual Percentage Rate, effective for current and past three model years. We have good rates for older models as well. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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
As Low As
As Low As
As Low As; APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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; APR=Annual Percentage Rate, effective for current and past three model years. We have good rates for older models as well. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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.
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As Low As; Vehicle may be up to two years old with less than 25,000 miles.
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As Low As; Vehicle Year: 2022 - 2027
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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; APR=Annual Percentage Rate, is subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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; APR=Annual Percentage Rate, effective for current and past three model years. We have good rates for older models as well. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. "As low as" rate assumes excellent credit history. 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.
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As Low As; Vehicle may be up to two years old with less than 25,000 miles.
As Low As; Vehicle Year: 2018 - 2021
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.
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As Low As; 76-84 Months
As Low As; (Cost over $25,000)
over $25,000; As Low As
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As Low As; Vehicle may be up to two years old with less than 25,000 miles.
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As Low As; Vehicle Year: 2018 - 2021
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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.
As Low As; Qualified buyers: Take 90 days to make your first payment.
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As Low As; $20,000 max
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As Low As; Vehicle may be up to two years old with less than 25,000 miles.
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As Low As; 67-75 Months
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As Low As; Vehicle may be up to two years old with less than 25,000 miles.
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As Low As; Vehicle Year: 2018 - 2021
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As Low As; Vehicle may be up to two years old with less than 25,000 miles.
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As Low As; Loyalty Plus & Online Application Discount
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As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Vehicle Year: 2022 - 2027
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As Low As; Qualified buyers: Take 90 days to make your first payment.
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As Low As; Vehicle Year: 2022 - 2027
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As Low As; Qualified buyers: Take 90 days to make your first payment.
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As Low As; Vehicle Year: 2022 - 2027
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As Low As; Qualified buyers: Take 90 days to make your first payment.
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As Low As; Qualified buyers: Take 90 days to make your first payment.
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As Low As; Qualified buyers: Take 90 days to make your first payment.
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As Low As; Vehicles up to four years old or with more than 25,000 miles.
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As Low As; Qualified buyers: Take 90 days to make your first payment.
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As Low As; Vehicles up to four years old or with more than 25,000 miles.
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Ramah, NM Auto Loan Rate Trends
Compare local Ramah, 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 0.938 points over the past 7 days to 5.939% APR.
New Mexico used auto rates rose 0.304 points over the past 7 days to 6.148% APR.
Frequently Asked Questions about Auto Loans in Ramah, New Mexico
How does my credit score affect my car loan rate in New Mexico?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Ramah, New Mexico?
- 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)
- Chaves County School Employees Credit Union: 4.00% (New Vehicles)
- Cannon Federal Credit Union: 4.19% (New Auto)
