Auto Loan Rates in Rio Rancho, New Mexico (NM) for March 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 Rio Rancho, New Mexico. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Rio Rancho, New Mexico include Sandia Area Federal Credit UnionSandia Area Federal Credit Union1601 Rio Rancho Blvd SE, Rio Rancho, NM, 87124 1093A+5.0 ★Texas Ratio: 1.03% offering Auto Refinance at 3.89%, Kirtland Federal Credit UnionKirtland Federal Credit Union111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020A5.0 ★Texas Ratio: 6.43% offering Automobiles & Trucks 2026-2022 Refinance at 4.41%, First National Bank TexasFirst National Bank Texas901 Unser Blvd Se, Rio Rancho, NM, 87124F1.0 ★Texas Ratio: 63.89% offering Auto Loan at 4.43%, Nusenda Federal Credit UnionNusenda Federal Credit Union7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144A+5.0 ★Texas Ratio: 4.72% offering Fuel-Efficient Auto Loan at 4.49%, First Financial Credit UnionFirst Financial Credit Union2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124A5.0 ★Texas Ratio: 10.46% offering New & Used Vehicles (Up to 5 Years Old) at 4.67%. Auto loan rates as of March 24, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Rio Rancho, New Mexico are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Rio Rancho, New Mexico. Auto Loan Rates Last Updated and Verified: March 24, 2026
Compare Auto Loan Rates Today in Rio Rancho, 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%
1601 Rio Rancho Blvd SE, Rio Rancho, NM, 87124 1093
Auto Refinance
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2026-2022 Refinance
4.41%
36 Months
▼
APR4.41%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First National Bank Texas
Institution Rating:
F1.0 ★ Texas Ratio: 63.89%
901 Unser Blvd Se, Rio Rancho, NM, 87124
Auto Loan
4.43%
66 Months
▼
APR4.43%
Term66 Months
Last UpdatedMar 24, 2026
Details
Offer excludes refinancing of existing First National Bank Texas, First Convenience Bank, and First Heroes National Bank loans.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Fuel-Efficient Auto Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As; 2023 and newer
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Fuel-Efficient Auto Loan
4.65%
48 months
▼
APR4.65%
Term48 months
Last UpdatedMar 20, 2026
Details
As Low As; 2023 and newer
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2026-2022 Refinance
4.70%
48 Months
▼
APR4.70%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMar 20, 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%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2026-2022 Refinance
4.84%
65 Months
▼
APR4.84%
Term65 Months
Last UpdatedMar 20, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Auto Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMar 20, 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%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMar 20, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2026-2022
4.91%
36 Months
▼
APR4.91%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Vehicle Loan
4.95%
36 Months
▼
APR4.95%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2026-2022 Refinance
5.00%
75 Months
▼
APR5.00%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Fuel-Efficient Auto Loan
5.05%
65 months
▼
APR5.05%
Term65 months
Last UpdatedMar 20, 2026
Details
As Low As; 2023 and newer
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2026-2022
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Fuel-Efficient Auto Loan
5.25%
75 months
▼
APR5.25%
Term75 months
Last UpdatedMar 20, 2026
Details
As Low As; 2023 and newer
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
New Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
Used Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Auto Loan
5.30%
65 months
▼
APR5.30%
Term65 months
Last UpdatedMar 20, 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%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
5.30%
65 months
▼
APR5.30%
Term65 months
Last UpdatedMar 20, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2026-2022
5.34%
65 Months
▼
APR5.34%
Term65 Months
Last UpdatedMar 20, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
New Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
Used Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2026-2022 Refinance
5.40%
84 Months
▼
APR5.40%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
New Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
Used Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2026-2022
5.50%
75 Months
▼
APR5.50%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Auto Loan
5.50%
75 months
▼
APR5.50%
Term75 months
Last UpdatedMar 20, 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%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
5.50%
75 months
▼
APR5.50%
Term75 months
Last UpdatedMar 20, 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%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Vehicle Loan
5.65%
48 Months
▼
APR5.65%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMar 21, 2026
Details
As Low As; (2023 - 2027)
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle (2023 - 2027)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMar 21, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Auto Loan
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedMar 20, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Fuel-Efficient Auto Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedMar 20, 2026
Details
As Low As; 2023 and newer
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Vehicle Loan
5.75%
65 Months
▼
APR5.75%
Term65 Months
Last UpdatedMar 21, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Vehicle Loan
5.85%
75 Months
▼
APR5.85%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2026-2022
5.90%
84 Months
▼
APR5.90%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As; (Cost over $15,000)
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle (Cost
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 21, 2026
Details
over $15,000; As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Auto Loan
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedMar 20, 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%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedMar 20, 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%
1526 Unser Blvd SE, Rio Rancho, NM, 87124
Vehicle Loan
6.05%
84 Months
▼
APR6.05%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
6.09%
60 Months
▼
APR6.09%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; (Cost over $25,000)
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle (Cost
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 21, 2026
Details
over $25,000; As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Auto Loan
6.25%
61 - 75 months
▼
APR6.25%
Term61 - 75 months
Last UpdatedMar 20, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
6.25%
61 - 75 months
▼
APR6.25%
Term61 - 75 months
Last UpdatedMar 20, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
6.59%
75 Months
▼
APR6.59%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
Used Vehicle
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; Max Mileage 65K (2019-2022)
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
Used Vehicle Max Mileage 65K (2019-2022)
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
Used Vehicle
7.49%
75 Months
▼
APR7.49%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As; (2018 and older)
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
Used Vehicle (2018 and older)
7.49%
75 Months
▼
APR7.49%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2021-2019 Refinance
9.59%
72 Months
▼
APR9.59%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2021-2019
10.09%
72 Months
▼
APR10.09%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2018-2016 Refinance
10.29%
60 Months
▼
APR10.29%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2018-2016
10.79%
60 Months
▼
APR10.79%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2015-2013 Refinance
11.29%
48 Months
▼
APR11.29%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2015-2013
11.79%
48 Months
▼
APR11.79%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2012-2007 Refinance
13.10%
36 Months
▼
APR13.10%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
111 Rio Rancho NE Ste 112, Rio Rancho, NM, 87124 7020
Automobiles & Trucks 2012-2007
13.60%
36 Months
▼
APR13.60%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
First Time Auto Buyer
16.99%
75 Months
▼
APR16.99%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As; $20,000 max
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
New Vehicle
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
New Vehicle
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 20, 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 UpdatedMar 22, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
New Vehicles
4.00%
Up to 60
▼
APR4.00%
TermUp to 60
Last UpdatedMar 18, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
New Vehicle
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
New Auto
4.25%
Up To 72 Months
▼
APR4.25%
TermUp To 72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
New Vehicles
4.50%
61 - 72
▼
APR4.50%
Term61 - 72
Last UpdatedMar 18, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
Used Vehicles (4 years old or less)
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedMar 18, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
Used Vehicles (5 - 10 years old)
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedMar 18, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle
4.55%
36 Months
▼
APR4.55%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Up to36 Months
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
4.74%
12 - 48 months
▼
APR4.74%
Term12 - 48 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
4.74%
12 - 48
▼
APR4.74%
Term12 - 48
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
New Vehicle
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Used Auto Loan
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
4.94%
37-48
▼
APR4.94%
Term37-48
Last UpdatedMar 17, 2026
Details
As Low As; (37-48 Months)
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 UpdatedMar 17, 2026
Details
As Low As; Fixed
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
New Auto Loan (2025 or newer)
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 22, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
Used Vehicles (4 years old or less)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 18, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
2022-23 Vehicle Loan
5.00%
48-84
▼
APR5.00%
Term48-84
Last UpdatedMar 18, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
2024-Newer Vehicle Loan
5.00%
48-84
▼
APR5.00%
Term48-84
Last UpdatedMar 18, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
5.19%
72 Months
▼
APR5.19%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.19%
0 - 36
▼
APR5.19%
Term0 - 36
Last UpdatedMar 24, 2026
Details
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 UpdatedMar 17, 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 UpdatedMar 17, 2026
Details
As Low As; Fixed
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
5.24%
49-66
▼
APR5.24%
Term49-66
Last UpdatedMar 17, 2026
Details
As Low As; (49-66 Months)
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.24%
49 - 60 months
▼
APR5.24%
Term49 - 60 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.24%
49 - 60
▼
APR5.24%
Term49 - 60
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
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 UpdatedMar 22, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
New Vehicle
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Used Auto
5.25%
Up To 72 Months
▼
APR5.25%
TermUp To 72 Months
Last UpdatedMar 21, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Used Auto Loan
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.39%
37 - 48
▼
APR5.39%
Term37 - 48
Last UpdatedMar 24, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.49%
61 - 75 months
▼
APR5.49%
Term61 - 75 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.49%
61 - 75
▼
APR5.49%
Term61 - 75
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
5.59%
78 Months
▼
APR5.59%
Term78 Months
Last UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.59%
0 - 36
▼
APR5.59%
Term0 - 36
Last UpdatedMar 24, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.59%
49 - 66
▼
APR5.59%
Term49 - 66
Last UpdatedMar 24, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.69%
24 Months
▼
APR5.69%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
5.74%
24 Months
▼
APR5.74%
Term24 Months
Last UpdatedMar 13, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
5.74%
67-75
▼
APR5.74%
Term67-75
Last UpdatedMar 17, 2026
Details
As Low As; (67-75 Months)
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.74%
49 - 60 months
▼
APR5.74%
Term49 - 60 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.74%
49 - 60
▼
APR5.74%
Term49 - 60
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
2020-21 Vehicle Loan
5.75%
48-78
▼
APR5.75%
Term48-78
Last UpdatedMar 18, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.79%
36 Months
▼
APR5.79%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.79%
37 - 48
▼
APR5.79%
Term37 - 48
Last UpdatedMar 24, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.79%
67 - 75
▼
APR5.79%
Term67 - 75
Last UpdatedMar 24, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
5.89%
36 Months
▼
APR5.89%
Term36 Months
Last UpdatedMar 20, 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%
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 UpdatedMar 22, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 13, 2026
Details
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 UpdatedMar 17, 2026
Details
As Low As; Fixed
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.99%
76 - 84 months
▼
APR5.99%
Term76 - 84 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.99%
49 - 66
▼
APR5.99%
Term49 - 66
Last UpdatedMar 24, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMar 24, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
6.14%
48 Months
▼
APR6.14%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMar 13, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.24%
61 - 75 months
▼
APR6.24%
Term61 - 75 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
6.24%
61 - 75
▼
APR6.24%
Term61 - 75
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Used Auto Over 10 Years Old
6.25%
Up to 36 Months
▼
APR6.25%
TermUp to 36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
6.29%
76-84
▼
APR6.29%
Term76-84
Last UpdatedMar 17, 2026
Details
As Low As; (76-84 Months)
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
6.29%
67 - 75
▼
APR6.29%
Term67 - 75
Last UpdatedMar 24, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
6.30%
60 Months
▼
APR6.30%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
6.39%
84 Months
▼
APR6.39%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
6.40%
72 Months
▼
APR6.40%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
6.49%
76 - 84
▼
APR6.49%
Term76 - 84
Last UpdatedMar 24, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.59%
0 - 36
▼
APR6.59%
Term0 - 36
Last UpdatedMar 24, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
6.64%
84 Months
▼
APR6.64%
Term84 Months
Last UpdatedMar 18, 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 UpdatedMar 22, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
6.69%
60 Months
▼
APR6.69%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.69%
37 - 48
▼
APR6.69%
Term37 - 48
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedMar 13, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
6.74%
24 Months
▼
APR6.74%
Term24 Months
Last UpdatedMar 13, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.74%
76 - 84 months
▼
APR6.74%
Term76 - 84 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
6.74%
76 - 84
▼
APR6.74%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
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 UpdatedMar 22, 2026
Details
As Low As
FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
2005-2019 Vehicle Loan
6.75%
48-78
▼
APR6.75%
Term48-78
Last UpdatedMar 18, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedMar 20, 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%
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 UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.89%
49 - 66
▼
APR6.89%
Term49 - 66
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 13, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedMar 13, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Used Auto
7.04%
24 Months
▼
APR7.04%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
7.09%
67 - 75
▼
APR7.09%
Term67 - 75
Last UpdatedMar 24, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
7.14%
84 Months
▼
APR7.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
7.24%
48 Months
▼
APR7.24%
Term48 Months
Last UpdatedMar 13, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2024-2016)
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
7.29%
76 - 84
▼
APR7.29%
Term76 - 84
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedMar 13, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
Classic Vehicles
7.49%
Up to 84
▼
APR7.49%
TermUp to 84
Last UpdatedMar 18, 2026
Details
$7,500+
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
New Auto Loan (2025 or newer)
7.49%
84 months
▼
APR7.49%
Term84 months
Last UpdatedMar 22, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2024-2016)
7.49%
48 months
▼
APR7.49%
Term48 months
Last UpdatedMar 22, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Used Auto
7.54%
36 Months
▼
APR7.54%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
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 UpdatedMar 22, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Late Model Used Auto
7.64%
48 Months
▼
APR7.64%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier B
7.74%
24 Months
▼
APR7.74%
Term24 Months
Last UpdatedMar 13, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
7.74%
60 Months
▼
APR7.74%
Term60 Months
Last UpdatedMar 13, 2026
Details
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 UpdatedMar 17, 2026
Details
$30,000; As Low As; Fixed
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Late Model Used Auto
7.74%
60 Months
▼
APR7.74%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier B
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMar 13, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
7.99%
72 Months
▼
APR7.99%
Term72 Months
Last UpdatedMar 13, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2024-2016)
7.99%
60 months
▼
APR7.99%
Term60 months
Last UpdatedMar 22, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Late Model Used Auto
8.05%
66 Months
▼
APR8.05%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier B
8.24%
48 Months
▼
APR8.24%
Term48 Months
Last UpdatedMar 13, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2015 and older)
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.39%
0 - 36
▼
APR8.39%
Term0 - 36
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
8.49%
84 Months
▼
APR8.49%
Term84 Months
Last UpdatedMar 13, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2024-2016)
8.49%
72-75 months
▼
APR8.49%
Term72-75 months
Last UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.59%
37 - 48
▼
APR8.59%
Term37 - 48
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier B
8.74%
60 Months
▼
APR8.74%
Term60 Months
Last UpdatedMar 13, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier B
8.74%
24 Months
▼
APR8.74%
Term24 Months
Last UpdatedMar 13, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2015 and older)
8.75%
36 months
▼
APR8.75%
Term36 months
Last UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.79%
49 - 66
▼
APR8.79%
Term49 - 66
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier B
8.99%
72 Months
▼
APR8.99%
Term72 Months
Last UpdatedMar 13, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier B
8.99%
36 Months
▼
APR8.99%
Term36 Months
Last UpdatedMar 13, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.99%
67 - 75
▼
APR8.99%
Term67 - 75
Last UpdatedMar 24, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
9.19%
76 - 84
▼
APR9.19%
Term76 - 84
Last UpdatedMar 24, 2026
Details
Powered by
MonitorBankRates
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%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
New Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
New Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
New Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMar 21, 2026
Details
As Low As; (2023 - 2027)
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle (2023 - 2027)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMar 21, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As; (Cost over $15,000)
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle (Cost
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 21, 2026
Details
over $15,000; As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; (Cost over $25,000)
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
New Vehicle (Cost
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 21, 2026
Details
over $25,000; As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
New Vehicle
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
New Vehicle
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 20, 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 UpdatedMar 22, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
New Vehicles
4.00%
Up to 60
▼
APR4.00%
TermUp to 60
Last UpdatedMar 18, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
New Vehicle
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
New Auto
4.25%
Up To 72 Months
▼
APR4.25%
TermUp To 72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
New Vehicles
4.50%
61 - 72
▼
APR4.50%
Term61 - 72
Last UpdatedMar 18, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Up to36 Months
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
4.74%
12 - 48 months
▼
APR4.74%
Term12 - 48 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
4.74%
12 - 48
▼
APR4.74%
Term12 - 48
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
New Vehicle
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
4.94%
37-48
▼
APR4.94%
Term37-48
Last UpdatedMar 17, 2026
Details
As Low As; (37-48 Months)
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
New Auto Loan (2025 or newer)
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 22, 2026
Details
As Low As
FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
2024-Newer Vehicle Loan
5.00%
48-84
▼
APR5.00%
Term48-84
Last UpdatedMar 18, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
5.19%
72 Months
▼
APR5.19%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.19%
0 - 36
▼
APR5.19%
Term0 - 36
Last UpdatedMar 24, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
5.24%
49-66
▼
APR5.24%
Term49-66
Last UpdatedMar 17, 2026
Details
As Low As; (49-66 Months)
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.24%
49 - 60 months
▼
APR5.24%
Term49 - 60 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.24%
49 - 60
▼
APR5.24%
Term49 - 60
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
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 UpdatedMar 22, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
New Vehicle
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.39%
37 - 48
▼
APR5.39%
Term37 - 48
Last UpdatedMar 24, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.49%
61 - 75 months
▼
APR5.49%
Term61 - 75 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.49%
61 - 75
▼
APR5.49%
Term61 - 75
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
5.59%
78 Months
▼
APR5.59%
Term78 Months
Last UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.59%
0 - 36
▼
APR5.59%
Term0 - 36
Last UpdatedMar 24, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.59%
49 - 66
▼
APR5.59%
Term49 - 66
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
5.74%
24 Months
▼
APR5.74%
Term24 Months
Last UpdatedMar 13, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
5.74%
67-75
▼
APR5.74%
Term67-75
Last UpdatedMar 17, 2026
Details
As Low As; (67-75 Months)
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.74%
49 - 60 months
▼
APR5.74%
Term49 - 60 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.74%
49 - 60
▼
APR5.74%
Term49 - 60
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.79%
37 - 48
▼
APR5.79%
Term37 - 48
Last UpdatedMar 24, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.79%
67 - 75
▼
APR5.79%
Term67 - 75
Last UpdatedMar 24, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
5.89%
36 Months
▼
APR5.89%
Term36 Months
Last UpdatedMar 20, 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%
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 UpdatedMar 22, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 13, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.99%
76 - 84 months
▼
APR5.99%
Term76 - 84 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
5.99%
49 - 66
▼
APR5.99%
Term49 - 66
Last UpdatedMar 24, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A+ Tier
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMar 24, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
6.14%
48 Months
▼
APR6.14%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMar 13, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.24%
61 - 75 months
▼
APR6.24%
Term61 - 75 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
6.24%
61 - 75
▼
APR6.24%
Term61 - 75
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
New Auto
6.29%
76-84
▼
APR6.29%
Term76-84
Last UpdatedMar 17, 2026
Details
As Low As; (76-84 Months)
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
6.29%
67 - 75
▼
APR6.29%
Term67 - 75
Last UpdatedMar 24, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
6.39%
84 Months
▼
APR6.39%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED A Tier
6.49%
76 - 84
▼
APR6.49%
Term76 - 84
Last UpdatedMar 24, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.59%
0 - 36
▼
APR6.59%
Term0 - 36
Last UpdatedMar 24, 2026
Details
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 UpdatedMar 22, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
6.69%
60 Months
▼
APR6.69%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.69%
37 - 48
▼
APR6.69%
Term37 - 48
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
6.74%
60 Months
▼
APR6.74%
Term60 Months
Last UpdatedMar 13, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.74%
76 - 84 months
▼
APR6.74%
Term76 - 84 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
6.74%
76 - 84
▼
APR6.74%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
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 UpdatedMar 22, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
6.79%
72 Months
▼
APR6.79%
Term72 Months
Last UpdatedMar 20, 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%
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 UpdatedMar 22, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
6.89%
49 - 66
▼
APR6.89%
Term49 - 66
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 13, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
7.09%
67 - 75
▼
APR7.09%
Term67 - 75
Last UpdatedMar 24, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
7.14%
84 Months
▼
APR7.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicle may be up to two years old with less than 25,000 miles.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED B Tier
7.29%
76 - 84
▼
APR7.29%
Term76 - 84
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier A
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedMar 13, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
New Auto Loan (2025 or newer)
7.49%
84 months
▼
APR7.49%
Term84 months
Last UpdatedMar 22, 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 UpdatedMar 22, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier B
7.74%
24 Months
▼
APR7.74%
Term24 Months
Last UpdatedMar 13, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier B
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMar 13, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier B
8.24%
48 Months
▼
APR8.24%
Term48 Months
Last UpdatedMar 13, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.39%
0 - 36
▼
APR8.39%
Term0 - 36
Last UpdatedMar 24, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.59%
37 - 48
▼
APR8.59%
Term37 - 48
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier B
8.74%
60 Months
▼
APR8.74%
Term60 Months
Last UpdatedMar 13, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.79%
49 - 66
▼
APR8.79%
Term49 - 66
Last UpdatedMar 24, 2026
Details
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
New Vehicle: 2025-2024 Tier B
8.99%
72 Months
▼
APR8.99%
Term72 Months
Last UpdatedMar 13, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
8.99%
67 - 75
▼
APR8.99%
Term67 - 75
Last UpdatedMar 24, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
NEW VEHICLES 2025-2026 NEVER TITLED C Tier
9.19%
76 - 84
▼
APR9.19%
Term76 - 84
Last UpdatedMar 24, 2026
Details
Powered by
MonitorBankRates
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%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMar 20, 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%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMar 20, 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%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
Used Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
5.30%
65 months
▼
APR5.30%
Term65 months
Last UpdatedMar 20, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
Used Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
Used Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3901 Southern Blvd Se, Rio Rancho, NM, 87124
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
5.50%
75 months
▼
APR5.50%
Term75 months
Last UpdatedMar 20, 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%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
6.00%
84 months
▼
APR6.00%
Term84 months
Last UpdatedMar 20, 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%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
6.09%
60 Months
▼
APR6.09%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
7840 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144
Used Auto Loans
6.25%
61 - 75 months
▼
APR6.25%
Term61 - 75 months
Last UpdatedMar 20, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2201 Rio Rancho Blvd SE, Rio Rancho, NM, 87124
Used Vehicles (5-7 Years Old)
6.59%
75 Months
▼
APR6.59%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
Used Vehicle
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; Max Mileage 65K (2019-2022)
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
Used Vehicle Max Mileage 65K (2019-2022)
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
Used Vehicle
7.49%
75 Months
▼
APR7.49%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As; (2018 and older)
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
7851 Enchanted Hills Blvd NE, Rio Rancho, NM, 87144 8735
Used Vehicle (2018 and older)
7.49%
75 Months
▼
APR7.49%
Term75 Months
Last UpdatedMar 21, 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 UpdatedMar 22, 2026
Details
As Low As
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
Used Vehicles (4 years old or less)
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedMar 18, 2026
Details
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
Used Vehicles (5 - 10 years old)
4.50%
Up to 60
▼
APR4.50%
TermUp to 60
Last UpdatedMar 18, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle
4.55%
36 Months
▼
APR4.55%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
4.74%
12 - 48 months
▼
APR4.74%
Term12 - 48 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
4.74%
12 - 48
▼
APR4.74%
Term12 - 48
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Used Auto Loan
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
Used Vehicles (4 years old or less)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 18, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.24%
49 - 60 months
▼
APR5.24%
Term49 - 60 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.24%
49 - 60
▼
APR5.24%
Term49 - 60
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
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 UpdatedMar 22, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Used Auto
5.25%
Up To 72 Months
▼
APR5.25%
TermUp To 72 Months
Last UpdatedMar 21, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Used Auto Loan
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.49%
61 - 75 months
▼
APR5.49%
Term61 - 75 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.49%
61 - 75
▼
APR5.49%
Term61 - 75
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.69%
24 Months
▼
APR5.69%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.74%
49 - 60 months
▼
APR5.74%
Term49 - 60 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.74%
49 - 60
▼
APR5.74%
Term49 - 60
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.79%
36 Months
▼
APR5.79%
Term36 Months
Last UpdatedMar 18, 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 UpdatedMar 22, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
5.99%
76 - 84 months
▼
APR5.99%
Term76 - 84 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2022 - 2027
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.24%
61 - 75 months
▼
APR6.24%
Term61 - 75 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
6.24%
61 - 75
▼
APR6.24%
Term61 - 75
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Used Vehicle
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Used Auto Over 10 Years Old
6.25%
Up to 36 Months
▼
APR6.25%
TermUp to 36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
6.30%
60 Months
▼
APR6.30%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
6.40%
72 Months
▼
APR6.40%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Used Auto
6.64%
84 Months
▼
APR6.64%
Term84 Months
Last UpdatedMar 18, 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 UpdatedMar 22, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
6.74%
24 Months
▼
APR6.74%
Term24 Months
Last UpdatedMar 13, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Automobiles
6.74%
76 - 84 months
▼
APR6.74%
Term76 - 84 months
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
New & Used Cars, Trucks, and Passenger Vans
6.74%
76 - 84
▼
APR6.74%
Term76 - 84
Last UpdatedMar 21, 2026
Details
As Low As; Vehicle Year: 2018 - 2021
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 UpdatedMar 22, 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 UpdatedMar 22, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedMar 13, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Used Auto
7.04%
24 Months
▼
APR7.04%
Term24 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
7.24%
48 Months
▼
APR7.24%
Term48 Months
Last UpdatedMar 13, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2024-2016)
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedMar 22, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2024-2016)
7.49%
48 months
▼
APR7.49%
Term48 months
Last UpdatedMar 22, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Used Auto
7.54%
36 Months
▼
APR7.54%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
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 UpdatedMar 22, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Late Model Used Auto
7.64%
48 Months
▼
APR7.64%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
7.74%
60 Months
▼
APR7.74%
Term60 Months
Last UpdatedMar 13, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Late Model Used Auto
7.74%
60 Months
▼
APR7.74%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Vehicles up to four years old or with more than 25,000 miles.
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
7.99%
72 Months
▼
APR7.99%
Term72 Months
Last UpdatedMar 13, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2024-2016)
7.99%
60 months
▼
APR7.99%
Term60 months
Last UpdatedMar 22, 2026
Details
As Low As
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Late Model Used Auto
8.05%
66 Months
▼
APR8.05%
Term66 Months
Last UpdatedMar 20, 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%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2015 and older)
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedMar 22, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier A
8.49%
84 Months
▼
APR8.49%
Term84 Months
Last UpdatedMar 13, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2024-2016)
8.49%
72-75 months
▼
APR8.49%
Term72-75 months
Last UpdatedMar 22, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier B
8.74%
24 Months
▼
APR8.74%
Term24 Months
Last UpdatedMar 13, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Used Auto Loan (2015 and older)
8.75%
36 months
▼
APR8.75%
Term36 months
Last UpdatedMar 22, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Used Vehicle: 2023-2016 Tier B
8.99%
36 Months
▼
APR8.99%
Term36 Months
Last UpdatedMar 13, 2026
Details
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National Auto Loan Rate Trends
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New Auto Loan — National Avg APR
5.365%
▼ 0.012 from last week
New auto loan rates fell 0.012 points this week to 5.365% APR, down from 5.377% last week.
Used Auto Loan — National Avg APR
5.673%
▼ 0.027 from last week
Used auto loan rates fell 0.027 points this week to 5.673% APR, down from 5.700% last week.
National averages as of Mar 25, 2026 • Weekly data from 8,500+ U.S. banks & credit unions
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Frequently Asked Questions about Auto Loans in Rio Rancho, 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 Rio Rancho, 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 Rio Rancho, 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 Rio Rancho, New Mexico?
Based on our current data, some of the lowest auto loan rates available in Rio Rancho, New Mexico include:
- Sandia Area Federal Credit Union: 3.89% (Auto Refinance)
- Kirtland Federal Credit Union: 4.41% (Automobiles & Trucks 2026-2022 Refinance)
- First National Bank Texas: 4.43% (Auto Loan)
- Nusenda Federal Credit Union: 4.49% (Fuel-Efficient Auto Loan)
- First Financial Credit Union: 4.67% (New & Used Vehicles (Up to 5 Years Old))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Rio Rancho, New Mexico. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 24, 2026
