Auto Loan Rates in Santa Fe, 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 Santa Fe, New Mexico. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Santa Fe, New Mexico include Sandia Area Federal Credit UnionSandia Area Federal Credit Union4881 Main Street, Santa Fe, NM, 87507A+5.0 ★Texas Ratio: 1.03% offering Auto Refinance at 3.89%, US Eagle Federal Credit UnionUS Eagle Federal Credit Union559 W Cordova Rd, Santa Fe, NM, 87505F1.5 ★Texas Ratio: 56.62% offering New and Used Auto Loans at 3.99%, Nusenda Federal Credit UnionNusenda Federal Credit Union1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617A+5.0 ★Texas Ratio: 4.72% offering Fuel-Efficient Auto Loan at 4.49%, ZIA Credit UnionZIA Credit Union111 N Saint Francis Dr, Santa Fe, NM, 87501 1441A+5.0 ★Texas Ratio: 4.75% offering New Auto Loan (2025 or newer) at 4.99%, BOK FinancialBOK Financial706 Saint Michaels Dr, Santa Fe, NM, 87505A+5.0 ★Texas Ratio: 3.85% offering New Auto Loan at 5.29%.
Auto loan rates in Santa Fe, 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 Santa Fe, New Mexico. Auto Loan Rates Last Updated and Verified: March 21, 2026
Compare Auto Loan Rates Today in Santa Fe, 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%
4881 Main Street, Santa Fe, NM, 87507
Auto Refinance
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
Fuel-Efficient Auto Loan
4.65%
48 months
▼
APR4.65%
Term48 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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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.
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
New Auto Loan (2025 or newer)
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
Fuel-Efficient Auto Loan
5.05%
65 months
▼
APR5.05%
Term65 months
Last UpdatedMar 20, 2026
Details
As Low As; 2023 and newer
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedMar 15, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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.
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
Fuel-Efficient Auto Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedMar 20, 2026
Details
As Low As; 2023 and newer
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedMar 15, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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.
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
Used Auto Loans
6.25%
61 - 75 months
▼
APR6.25%
Term61 - 75 months
Last UpdatedMar 20, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedMar 15, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedMar 15, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedMar 15, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
Used Vehicle Max Mileage 65K (2019-2022)
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2024-2016)
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
New Auto Loan (2025 or newer)
7.49%
84 months
▼
APR7.49%
Term84 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2024-2016)
7.49%
48 months
▼
APR7.49%
Term48 months
Last UpdatedMar 15, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2024-2016)
7.99%
60 months
▼
APR7.99%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2015 and older)
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2024-2016)
8.49%
72-75 months
▼
APR8.49%
Term72-75 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2015 and older)
8.75%
36 months
▼
APR8.75%
Term36 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2015 and older)
9.25%
48 months
▼
APR9.25%
Term48 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2015 and older)
10.00%
60 months
▼
APR10.00%
Term60 months
Last UpdatedMar 15, 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
3.25%
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
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
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2026-2022 Refinance
4.41%
36 Months
▼
APR4.41%
Term36 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
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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last 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
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2026-2022 Refinance
4.70%
48 Months
▼
APR4.70%
Term48 Months
Last UpdatedMar 20, 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 15, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2026-2022 Refinance
4.84%
65 Months
▼
APR4.84%
Term65 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
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2026-2022
4.91%
36 Months
▼
APR4.91%
Term36 Months
Last UpdatedMar 20, 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)
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Vehicle Loan
4.95%
36 Months
▼
APR4.95%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 17, 2026
Details
As Low As; Fixed
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
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2026-2022 Refinance
5.00%
75 Months
▼
APR5.00%
Term75 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
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last 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
5.19%
72 Months
▼
APR5.19%
Term72 Months
Last UpdatedMar 15, 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 17, 2026
Details
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2026-2022
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Auto Loan
5.24%
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
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
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2026-2022
5.34%
65 Months
▼
APR5.34%
Term65 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
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMar 15, 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 17, 2026
Details
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2026-2022 Refinance
5.40%
84 Months
▼
APR5.40%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last 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
5.49%
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
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2026-2022
5.50%
75 Months
▼
APR5.50%
Term75 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
5.59%
78 Months
▼
APR5.59%
Term78 Months
Last UpdatedMar 15, 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 17, 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 17, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Vehicle Loan
5.65%
48 Months
▼
APR5.65%
Term48 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
5.69%
24 Months
▼
APR5.69%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last 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
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Vehicle Loan
5.75%
65 Months
▼
APR5.75%
Term65 Months
Last UpdatedMar 21, 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 17, 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 17, 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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Vehicle Loan
5.85%
75 Months
▼
APR5.85%
Term75 Months
Last UpdatedMar 21, 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
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.
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2026-2022
5.90%
84 Months
▼
APR5.90%
Term84 Months
Last UpdatedMar 20, 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
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 15, 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 17, 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 17, 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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last 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
Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
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%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
6.09%
60 Months
▼
APR6.09%
Term60 Months
Last UpdatedMar 18, 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
6.14%
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
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 17, 2026
Details
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)
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 17, 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 17, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
6.59%
75 Months
▼
APR6.59%
Term75 Months
Last 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
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 17, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
6.69%
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.
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
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.
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 17, 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 17, 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
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 17, 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+
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.
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
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
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 17, 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
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 17, 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
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 17, 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 17, 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 17, 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
9.24%
48 Months
▼
APR9.24%
Term48 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
9.49%
84 Months
▼
APR9.49%
Term84 Months
Last UpdatedMar 13, 2026
Details
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2021-2019 Refinance
9.59%
72 Months
▼
APR9.59%
Term72 Months
Last UpdatedMar 20, 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
Classic: 2015 & Older Vehicle Loan Tier A
9.74%
24 Months
▼
APR9.74%
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
Classic: 2015 & Older Vehicle Loan Tier A
9.99%
36 Months
▼
APR9.99%
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 B
9.99%
60 Months
▼
APR9.99%
Term60 Months
Last UpdatedMar 13, 2026
Details
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Automobiles & Trucks 2021-2019
10.09%
72 Months
▼
APR10.09%
Term72 Months
Last UpdatedMar 20, 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
Classic: 2015 & Older Vehicle Loan Tier A
10.24%
48 Months
▼
APR10.24%
Term48 Months
Last UpdatedMar 13, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
New Auto Loan (2025 or newer)
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedMar 15, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
New Vehicle (2023 - 2027)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMar 21, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedMar 15, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
New Vehicle (Cost
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 21, 2026
Details
over $25,000; As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedMar 15, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedMar 15, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
New Auto Loan (2025 or newer)
7.49%
84 months
▼
APR7.49%
Term84 months
Last UpdatedMar 15, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedMar 15, 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
3.25%
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
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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last 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
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)
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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last 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
5.19%
72 Months
▼
APR5.19%
Term72 Months
Last UpdatedMar 15, 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 17, 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
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 17, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last 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
5.49%
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
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 15, 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 17, 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 17, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
New Auto
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last 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
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 17, 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 17, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedMar 18, 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
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.
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
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 15, 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 17, 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 17, 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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last 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
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
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 17, 2026
Details
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)
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 17, 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 17, 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
6.69%
37 - 48
▼
APR6.69%
Term37 - 48
Last UpdatedMar 17, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
New Auto
6.69%
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.
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
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.
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 17, 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 17, 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 17, 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
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 17, 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 17, 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 17, 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 17, 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 17, 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
9.49%
84 Months
▼
APR9.49%
Term84 Months
Last UpdatedMar 13, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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.
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
5.24%
37 to 66 months
▼
APR5.24%
Term37 to 66 months
Last UpdatedMar 15, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
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%
706 Saint Michaels Dr, Santa Fe, NM, 87505
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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.
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
5.94%
76 to 84 months
▼
APR5.94%
Term76 to 84 months
Last UpdatedMar 15, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
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.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM, 87505 7617
Used Auto Loans
6.25%
61 - 75 months
▼
APR6.25%
Term61 - 75 months
Last UpdatedMar 20, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
6.64%
Up to 65 months
▼
APR6.64%
TermUp to 65 months
Last UpdatedMar 15, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
6.74%
66 to 75 months
▼
APR6.74%
Term66 to 75 months
Last UpdatedMar 15, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 56.62%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
6.84%
Up to 60 months
▼
APR6.84%
TermUp to 60 months
Last UpdatedMar 15, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
Used Vehicle Max Mileage 65K (2019-2022)
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2024-2016)
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2024-2016)
7.49%
48 months
▼
APR7.49%
Term48 months
Last UpdatedMar 15, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
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%
559 W Cordova Rd, Santa Fe, NM, 87505
New and Used Auto Loans
7.54%
36 to 48 months
▼
APR7.54%
Term36 to 48 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2024-2016)
7.99%
60 months
▼
APR7.99%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2015 and older)
8.25%
24 months
▼
APR8.25%
Term24 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2024-2016)
8.49%
72-75 months
▼
APR8.49%
Term72-75 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2015 and older)
8.75%
36 months
▼
APR8.75%
Term36 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2015 and older)
9.25%
48 months
▼
APR9.25%
Term48 months
Last UpdatedMar 15, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM, 87501 1441
Used Auto Loan (2015 and older)
10.00%
60 months
▼
APR10.00%
Term60 months
Last UpdatedMar 15, 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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
4.67%
36 Months
▼
APR4.67%
Term36 Months
Last 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
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 15, 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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last 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
5.24%
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
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 15, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last 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
5.49%
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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.69%
66 Months
▼
APR5.69%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last 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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last 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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
New & Used Vehicles (Up to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last 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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
6.09%
60 Months
▼
APR6.09%
Term60 Months
Last 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
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
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Used Vehicles (5-7 Years Old)
6.59%
75 Months
▼
APR6.59%
Term75 Months
Last 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
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
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
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.
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
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
Used Vehicle: 2023-2016 Tier A
8.49%
84 Months
▼
APR8.49%
Term84 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
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
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
9.24%
48 Months
▼
APR9.24%
Term48 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
9.99%
60 Months
▼
APR9.99%
Term60 Months
Last UpdatedMar 13, 2026
Details
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Frequently Asked Questions about Auto Loans in Santa Fe, 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 Santa Fe, 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 Santa Fe, 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 Santa Fe, New Mexico?
Based on our current data, some of the lowest auto loan rates available in Santa Fe, New Mexico include:
- Sandia Area Federal Credit Union: 3.89% (Auto Refinance)
- US Eagle Federal Credit Union: 3.99% (New and Used Auto Loans)
- Nusenda Federal Credit Union: 4.49% (Fuel-Efficient Auto Loan)
- ZIA Credit Union: 4.99% (New Auto Loan (2025 or newer))
- BOK Financial: 5.29% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Santa Fe, New Mexico. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 21, 2026
