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Auto Loan Rates in Springer, New Mexico (NM) for June 2026

Current auto loan rates in Springer, New Mexico include Four Corners Federal Credit UnionFour Corners Federal Credit UnionA+5.0 ★Texas Ratio: 1.61% offering New Vehicle Loan at 3.25%, US Eagle Federal Credit UnionUS Eagle Federal Credit UnionF1.5 ★Texas Ratio: 42.99% offering New and Used Auto Loans at 3.99%, Del Norte Credit UnionDel Norte Credit UnionA+5.0 ★Texas Ratio: 3.30% offering New and Used Auto Loans - Cars & Trucks at 3.99%, State Employees Credit UnionState Employees Credit UnionC3.8 ★Texas Ratio: 26.10% offering Auto Loans at 3.99%, Chaves County School Employees Credit UnionChaves County School Employees Credit UnionA+5.0 ★Texas Ratio: 0.02% offering New Vehicles Loan at 4.00%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.

Springer borrowers have access to 23 lenders serving the New Mexico area, with auto loan rates as low as 3.25% APR from Four Corners Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Springer, New Mexico. Auto Loan Rates Last Updated and Verified: June 16, 2026

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

Springer Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
3.25%
36 Months
APR3.25%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
3.75%
48 Months
APR3.75%
Term48 Months
Last UpdatedJun 16, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
3.99%
Up to 36 months
APR3.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 3.59% APR

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New and Used Auto Loans - Cars & Trucks
3.99%
36 months
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Auto Loans
3.99%
84 months
APR3.99%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As; The Open Road is Calling With rates as low as 3.99% for 84 months - the route to better saving starts here!

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Promotional Rate New Vehicle Loan
3.99%
84 Month
APR3.99%
Term84 Month
Last UpdatedJun 16, 2026
Details

As Low As; **

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
4.00%
Up to 60 Months
APR4.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
4.19%
36 Months
APR4.19%
Term36 Months
Last UpdatedJun 16, 2026
Details

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
4.25%
1-36 Months
APR4.25%
Term1-36 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
4.25%
60 Months
APR4.25%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.25%
24 Months
APR4.25%
Term24 Months
Last UpdatedJun 16, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
4.39%
48 Months
APR4.39%
Term48 Months
Last UpdatedJun 16, 2026
Details

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
4.50%
60 months
APR4.50%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
4.50%
61 - 72 Months
APR4.50%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less) Loan
4.50%
Up to 60 Months
APR4.50%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (5 - 10 years old) Loan
4.50%
Up to 60 Months
APR4.50%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Auto Loan Summer Special
4.50%
48-month
APR4.50%
Term48-month
Last UpdatedJun 16, 2026
Details

Limited-time auto loan rate from June 5th to July 31st. Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.

FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loan
4.50%
48 months
APR4.50%
Term48 months
Last UpdatedJun 16, 2026
Details

As Low As; Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.55%
36 Months
APR4.55%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - Up to 48 Months
4.59%
48 Months
APR4.59%
Term48 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value

GECU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loan
4.59%
66 Months
APR4.59%
Term66 Months
Last UpdatedJun 16, 2026
Details

As Low As; Now-July 7

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.64%
Up to 36 months
APR4.64%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 36 months Loan
4.67%
36 months
APR4.67%
Term36 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $597.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
4.67%
36 months
APR4.67%
Term36 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $597.00

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
4.74%
36 months
APR4.74%
Term36 months
Last UpdatedJun 16, 2026
Details

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

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
4.74%
12 - 48 months
APR4.74%
Term12 - 48 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
4.74%
72-75 months
APR4.74%
Term72-75 months
Last UpdatedJun 16, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
4.74%
24 months
APR4.74%
Term24 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.74%
Up to 36 Months
APR4.74%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details

As Low As

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
4.75%
37-64 Months
APR4.75%
Term37-64 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
4.75%
72 Months
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.75%
48 Months
APR4.75%
Term48 Months
Last UpdatedJun 16, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
4.90%
48 months
APR4.90%
Term48 months
Last UpdatedJun 16, 2026
Details

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

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.94%
37-48 Months
APR4.94%
Term37-48 Months
Last UpdatedJun 16, 2026
Details

As Low As

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Auto Refinance
4.95%
36 Months
APR4.95%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Vehicle Loans
4.95%
36 Months
APR4.95%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle Loans

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.99%
37-48 months
APR4.99%
Term37-48 months
Last UpdatedJun 16, 2026
Details

As Low As

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
4.99%
Up to 72 months
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

As Low As; Loyalty Plus & Online Application Discount: 4.39%

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
4.99%
65-76 Months
APR4.99%
Term65-76 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 750+

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
APR4.99%
Term60-month
Last UpdatedJun 16, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan
4.99%
5 Years
APR4.99%
Term5 Years
Last UpdatedJun 16, 2026
Details

As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Utah Auto Loans
4.99%
5 Year Fixed
APR4.99%
Term5 Year Fixed
Last UpdatedJun 16, 2026
Details

First American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Auto Loans
4.99%
new up to 36 months
APR4.99%
Termnew up to 36 months
Last UpdatedJun 16, 2026
Details

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less) Loan
5.00%
72 Months
APR5.00%
Term72 Months
Last UpdatedJun 16, 2026
Details

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
5.05%
60 Months
APR5.05%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 48 months Loan
5.09%
48 months
APR5.09%
Term48 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $462.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.09%
48 months
APR5.09%
Term48 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $462.00

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - 49 - 72 Months
5.09%
72 Months
APR5.09%
Term72 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
5.09%
60 Months
APR5.09%
Term60 Months
Last UpdatedJun 16, 2026
Details

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.15%
49-60 months
APR5.15%
Term49-60 months
Last UpdatedJun 16, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.19%
24 Months
APR5.19%
Term24 Months
Last UpdatedJun 16, 2026
Details

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
5.19%
Up to 72 months
APR5.19%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

As Low As; Loyalty Plus & Online Application Discount: 4.59%

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
5.19%
36 Months
APR5.19%
Term36 Months
Last UpdatedJun 16, 2026
Details

A+ Tier

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.24%
37 to 66 months
APR5.24%
Term37 to 66 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 4.74% APR

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.24%
49 - 60 months
APR5.24%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
5.24%
72-month
APR5.24%
Term72-month
Last UpdatedJun 16, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan
5.24%
6 Years
APR5.24%
Term6 Years
Last UpdatedJun 16, 2026
Details

As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan - Declining Rate Auto
5.24%
5 Years
APR5.24%
Term5 Years
Last UpdatedJun 16, 2026
Details

As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
5.24%
49-66 Months
APR5.24%
Term49-66 Months
Last UpdatedJun 16, 2026
Details

As Low As

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2015-2023 Vehicle Loan
5.25%
1-36 Months
APR5.25%
Term1-36 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2015-2023; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
5.25%
1-36 Months
APR5.25%
Term1-36 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
5.25%
84 Months
APR5.25%
Term84 Months
Last UpdatedJun 16, 2026
Details

As Low As

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - 73 - 78 Months
5.29%
78 Months
APR5.29%
Term78 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.29%
36 Months
APR5.29%
Term36 Months
Last UpdatedJun 16, 2026
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
5.30%
65 months
APR5.30%
Term65 months
Last UpdatedJun 16, 2026
Details

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

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.35%
61-72 months
APR5.35%
Term61-72 months
Last UpdatedJun 16, 2026
Details

As Low As

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.39%
Up to 78 months
APR5.39%
TermUp to 78 months
Last UpdatedJun 16, 2026
Details

As Low As; Loyalty Plus & Online Application Discount: 4.79%

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
5.39%
48 Months
APR5.39%
Term48 Months
Last UpdatedJun 16, 2026
Details

A+ Tier

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
5.39%
66 Month
APR5.39%
Term66 Month
Last UpdatedJun 16, 2026
Details

As Low As; (2023 - 2027)

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 60 months Loan
5.49%
60 months
APR5.49%
Term60 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $382.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.49%
60 months
APR5.49%
Term60 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $382.00

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - 79 - 84 Months
5.49%
84 Months
APR5.49%
Term84 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
5.49%
72 Months
APR5.49%
Term72 Months
Last UpdatedJun 16, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.49%
48 Months
APR5.49%
Term48 Months
Last UpdatedJun 16, 2026
Details

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.49%
61 - 75 months
APR5.49%
Term61 - 75 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle (Cost Loan
5.49%
75 Month
APR5.49%
Term75 Month
Last UpdatedJun 16, 2026
Details

over $15,000; As Low As

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
5.49%
75 Month
APR5.49%
Term75 Month
Last UpdatedJun 16, 2026
Details

As Low As; (Cost over $15,000)

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
5.50%
75 months**
APR5.50%
Term75 months**
Last UpdatedJun 16, 2026
Details

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

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
5.59%
36 Months
APR5.59%
Term36 Months
Last UpdatedJun 16, 2026
Details

A Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
5.59%
66 Months
APR5.59%
Term66 Months
Last UpdatedJun 16, 2026
Details

A+ Tier

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Auto Refinance
5.65%
48 Months
APR5.65%
Term48 Months
Last UpdatedJun 16, 2026
Details

As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Vehicle Loans
5.65%
48 Months
APR5.65%
Term48 Months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle Loans

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 66 months Loan
5.69%
66 months
APR5.69%
Term66 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $354.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.69%
66 months
APR5.69%
Term66 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $354.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old) Loan
5.69%
36 months
APR5.69%
Term36 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $606.00

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.74%
49 - 60 months
APR5.74%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2018 - 2021

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Auto Loan
5.74%
48 Months
APR5.74%
Term48 Months
Last UpdatedJun 16, 2026
Details

As Low As

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
5.74%
67-75 Months
APR5.74%
Term67-75 Months
Last UpdatedJun 16, 2026
Details

As Low As

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
Used Auto
5.74%
2017-2020
APR5.74%
Term2017-2020
Last UpdatedJun 16, 2026
Details

As Low As

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New and Used Auto Loans - Cars & Trucks
5.74%
36 months
APR5.74%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2022 - 1994
5.75%
Up to 60 months
APR5.75%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

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

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New Vehicle Loan
5.75%
73-84 months
APR5.75%
Term73-84 months
Last UpdatedJun 16, 2026
Details

As Low As

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2015-2023 Vehicle Loan
5.75%
37-64 Months
APR5.75%
Term37-64 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2015-2023; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
5.75%
37-64 Months
APR5.75%
Term37-64 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 700-749

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Auto Refinance
5.75%
65 Months
APR5.75%
Term65 Months
Last UpdatedJun 16, 2026
Details

As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Vehicle Loans
5.75%
65 Months
APR5.75%
Term65 Months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle Loans

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 75 months Loan
5.79%
75 months
APR5.79%
Term75 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $319.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.79%
75 months
APR5.79%
Term75 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $319.00

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.79%
Up to 84 months
APR5.79%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details

As Low As; Loyalty Plus & Online Application Discount: 5.19%

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
5.79%
48 Months
APR5.79%
Term48 Months
Last UpdatedJun 16, 2026
Details

A Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
5.79%
75 Months
APR5.79%
Term75 Months
Last UpdatedJun 16, 2026
Details

A+ Tier

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.80%
60 Months
APR5.80%
Term60 Months
Last UpdatedJun 16, 2026
Details

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Auto Refinance
5.85%
75 Months
APR5.85%
Term75 Months
Last UpdatedJun 16, 2026
Details

As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Vehicle Loans
5.85%
75 Months
APR5.85%
Term75 Months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle Loans

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
5.89%
84 Months
APR5.89%
Term84 Months
Last UpdatedJun 16, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
5.89%
36 months
APR5.89%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.90%
72 Months
APR5.90%
Term72 Months
Last UpdatedJun 16, 2026
Details

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.94%
76 to 84 months
APR5.94%
Term76 to 84 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 5.44% APR

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 84 months Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $366.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $366.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old) Loan
5.99%
7 Years
APR5.99%
Term7 Years
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $470.00

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.99%
76 - 84 months
APR5.99%
Term76 - 84 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2015-2023 Vehicle Loan
5.99%
65-76 Months
APR5.99%
Term65-76 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2015-2023; Tier Level: 6 Years (65-76M); Equifax Score: 750+

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
5.99%
65-76 Months
APR5.99%
Term65-76 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 700-749

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
5.99%
66 Months
APR5.99%
Term66 Months
Last UpdatedJun 16, 2026
Details

A Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
5.99%
84 Months
APR5.99%
Term84 Months
Last UpdatedJun 16, 2026
Details

A+ Tier

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan
5.99%
7 Years
APR5.99%
Term7 Years
Last UpdatedJun 16, 2026
Details

As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
6.00%
84 months**
APR6.00%
Term84 months**
Last UpdatedJun 16, 2026
Details

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

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Auto Refinance
6.05%
84 Months
APR6.05%
Term84 Months
Last UpdatedJun 16, 2026
Details

As Low As; Rates good for current and past three model years. Great rates available for older models. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. 73-84 month financing available on vehicles over $20,000. Maximum term for vehicles under $10,000 is 48 months.

Rio Grande Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.53%
Vehicle Loans
6.05%
84 Months
APR6.05%
Term84 Months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle Loans

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old) Loan
6.09%
7 Years
APR6.09%
Term7 Years
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $388.00

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
6.14%
84 Months
APR6.14%
Term84 Months
Last UpdatedJun 16, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.14%
48 months
APR6.14%
Term48 months
Last UpdatedJun 16, 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: 1.12%
New & Used Automobiles
6.24%
61 - 75 months
APR6.24%
Term61 - 75 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2018 - 2021

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
Used Auto
6.24%
2016 and older
APR6.24%
Term2016 and older
Last UpdatedJun 16, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2022 - 1994
6.25%
61 - 75 months**
APR6.25%
Term61 - 75 months**
Last UpdatedJun 16, 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: 4.33%
Used Auto Loan - 2023 and newer
6.25%
90 months**
APR6.25%
Term90 months**
Last UpdatedJun 16, 2026
Details

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

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2015-2023 Vehicle Loan
6.25%
1-36 Months
APR6.25%
Term1-36 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2015-2023; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
6.25%
77-88 Months
APR6.25%
Term77-88 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 700-749

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
6.25%
72 Months
APR6.25%
Term72 Months
Last UpdatedJun 16, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
6.29%
75 Months
APR6.29%
Term75 Months
Last UpdatedJun 16, 2026
Details

A Tier

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
6.29%
76-84 Months
APR6.29%
Term76-84 Months
Last UpdatedJun 16, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle (Cost Loan
6.29%
84 Month
APR6.29%
Term84 Month
Last UpdatedJun 16, 2026
Details

over $25,000; As Low As

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
6.29%
84 Month
APR6.29%
Term84 Month
Last UpdatedJun 16, 2026
Details

As Low As; (Cost over $25,000)

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
6.49%
84 Months
APR6.49%
Term84 Months
Last UpdatedJun 16, 2026
Details

A Tier

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
6.49%
84 months
APR6.49%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old) Loan
6.59%
7 Years
APR6.59%
Term7 Years
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $327.00

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
6.59%
36 Months
APR6.59%
Term36 Months
Last UpdatedJun 16, 2026
Details

B Tier

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.64%
Up to 65 months
APR6.64%
TermUp to 65 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 6.14% APR

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
6.69%
48 Months
APR6.69%
Term48 Months
Last UpdatedJun 16, 2026
Details

B Tier

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.69%
60 months
APR6.69%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.74%
66 to 75 months
APR6.74%
Term66 to 75 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 6.24% APR

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
6.74%
76 - 84 months
APR6.74%
Term76 - 84 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2018 - 2021

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2015-2023 Vehicle Loan
6.75%
37-64 Months
APR6.75%
Term37-64 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2015-2023; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 700-749

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
6.75%
1-36 Months
APR6.75%
Term1-36 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 660-699

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Auto Loan
6.75%
60 Months
APR6.75%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.79%
72 months
APR6.79%
Term72 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.84%
Up to 60 months
APR6.84%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 6.34% APR

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
6.89%
66 Months
APR6.89%
Term66 Months
Last UpdatedJun 16, 2026
Details

B Tier

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
6.99%
48 Months
APR6.99%
Term48 Months
Last UpdatedJun 16, 2026
Details

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2015-2023 Vehicle Loan
6.99%
65-76 Months
APR6.99%
Term65-76 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2015-2023; Tier Level: 6 Years (65-76M); Equifax Score: 700-749

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2016-2022)
6.99%
60 months
APR6.99%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Used Auto
7.04%
24 months
APR7.04%
Term24 months
Last UpdatedJun 16, 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: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
7.09%
75 Months
APR7.09%
Term75 Months
Last UpdatedJun 16, 2026
Details

B Tier

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Max Mileage 65K (2019-2022) Loan
7.09%
84 month
APR7.09%
Term84 month
Last UpdatedJun 16, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Max Mileage 65K Loan
7.09%
84 month
APR7.09%
Term84 month
Last UpdatedJun 16, 2026
Details

As Low As; (2019-2022)

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
7.14%
84 months
APR7.14%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2022 - 1994
7.25%
76-90 months**
APR7.25%
Term76-90 months**
Last UpdatedJun 16, 2026
Details

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

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2015-2023 Vehicle Loan
7.25%
77-88 Months
APR7.25%
Term77-88 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2015-2023; Tier Level: 7 Years (77-88M); Equifax Score: 700-749

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
7.25%
37-64 Months
APR7.25%
Term37-64 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 660-699

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
7.29%
60 Months
APR7.29%
Term60 Months
Last UpdatedJun 16, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
7.29%
84 Months
APR7.29%
Term84 Months
Last UpdatedJun 16, 2026
Details

B Tier

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
7.49%
72 Months
APR7.49%
Term72 Months
Last UpdatedJun 16, 2026
Details

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
7.49%
65-76 Months
APR7.49%
Term65-76 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 660-699

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2016-2022)
7.49%
72-75 months
APR7.49%
Term72-75 months
Last UpdatedJun 16, 2026
Details

As Low As

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Auto Loan
7.50%
72 Months
APR7.50%
Term72 Months
Last UpdatedJun 16, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
7.54%
36 to 48 months
APR7.54%
Term36 to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 7.04% APR

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Used Auto
7.54%
36 months
APR7.54%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle (2018 and older) Loan
7.59%
75 Month
APR7.59%
Term75 Month
Last UpdatedJun 16, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Loan
7.59%
75 Month
APR7.59%
Term75 Month
Last UpdatedJun 16, 2026
Details

As Low As; (2018 and older)

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Late Model Used Auto
7.64%
48 months
APR7.64%
Term48 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
APR7.74%
Term8 Years
Last UpdatedJun 16, 2026
Details

$30,000; As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Late Model Used Auto
7.74%
60 months
APR7.74%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2014 or Older Vehicle Loan
7.75%
1-60 Months
APR7.75%
Term1-60 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2014 or Older; Tier Level: Up to 5 Years (1-60M); Equifax Score: 750+

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2015-2023 Vehicle Loan
7.75%
1-36 Months
APR7.75%
Term1-36 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2015-2023; Tier Level: Up to 3 Years (1-36M); Equifax Score: 660-699

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
7.75%
77-88 Months
APR7.75%
Term77-88 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 660-699

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
7.99%
84 Months
APR7.99%
Term84 Months
Last UpdatedJun 16, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
7.99%
48 Months
APR7.99%
Term48 Months
Last UpdatedJun 16, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Late Model Used Auto
8.05%
66 months
APR8.05%
Term66 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2015-2023 Vehicle Loan
8.25%
37-64 Months
APR8.25%
Term37-64 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2015-2023; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 660-699

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
8.25%
24 months
APR8.25%
Term24 months
Last UpdatedJun 16, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.29%
60 Months
APR8.29%
Term60 Months
Last UpdatedJun 16, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
8.39%
36 Months
APR8.39%
Term36 Months
Last UpdatedJun 16, 2026
Details

C Tier

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.49%
72 Months
APR8.49%
Term72 Months
Last UpdatedJun 16, 2026
Details

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2015-2023 Vehicle Loan
8.49%
65-76 Months
APR8.49%
Term65-76 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2015-2023; Tier Level: 6 Years (65-76M); Equifax Score: 660-699

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Auto Loan
8.50%
84-120* Months
APR8.50%
Term84-120* Months
Last UpdatedJun 16, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
8.59%
48 Months
APR8.59%
Term48 Months
Last UpdatedJun 16, 2026
Details

C Tier

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2014 or Older Vehicle Loan
8.75%
1-60 Months
APR8.75%
Term1-60 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2014 or Older; Tier Level: Up to 5 Years (1-60M); Equifax Score: 700-749

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2015-2023 Vehicle Loan
8.75%
77-88 Months
APR8.75%
Term77-88 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2015-2023; Tier Level: 7 Years (77-88M); Equifax Score: 660-699

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
8.75%
36 months
APR8.75%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
8.79%
66 Months
APR8.79%
Term66 Months
Last UpdatedJun 16, 2026
Details

C Tier

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.99%
84 Months
APR8.99%
Term84 Months
Last UpdatedJun 16, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
8.99%
75 Months
APR8.99%
Term75 Months
Last UpdatedJun 16, 2026
Details

C Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
9.19%
84 Months
APR9.19%
Term84 Months
Last UpdatedJun 16, 2026
Details

C Tier

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
9.25%
48 months
APR9.25%
Term48 months
Last UpdatedJun 16, 2026
Details

As Low As

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
10.00%
60 months
APR10.00%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2014 or Older Vehicle Loan
10.25%
1-60 Months
APR10.25%
Term1-60 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2014 or Older; Tier Level: Up to 5 Years (1-60M); Equifax Score: 660-699

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
10.25%
1-36 Months
APR10.25%
Term1-36 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 600-659

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
10.75%
37-64 Months
APR10.75%
Term37-64 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 600-659

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
10.99%
65-76 Months
APR10.99%
Term65-76 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 600-659

Springer New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
3.25%
36 Months
APR3.25%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
3.75%
48 Months
APR3.75%
Term48 Months
Last UpdatedJun 16, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
3.99%
Up to 36 months
APR3.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 3.59% APR

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New and Used Auto Loans - Cars & Trucks
3.99%
36 months
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Promotional Rate New Vehicle Loan
3.99%
84 Month
APR3.99%
Term84 Month
Last UpdatedJun 16, 2026
Details

As Low As; **

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
4.00%
Up to 60 Months
APR4.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
4.19%
36 Months
APR4.19%
Term36 Months
Last UpdatedJun 16, 2026
Details

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
4.25%
1-36 Months
APR4.25%
Term1-36 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
4.25%
60 Months
APR4.25%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
4.39%
48 Months
APR4.39%
Term48 Months
Last UpdatedJun 16, 2026
Details

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
4.50%
60 months
APR4.50%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New Vehicles Loan
4.50%
61 - 72 Months
APR4.50%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - Up to 48 Months
4.59%
48 Months
APR4.59%
Term48 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.64%
Up to 36 months
APR4.64%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 36 months Loan
4.67%
36 months
APR4.67%
Term36 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $597.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
4.67%
36 months
APR4.67%
Term36 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $597.00

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
4.74%
36 months
APR4.74%
Term36 months
Last UpdatedJun 16, 2026
Details

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

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
4.74%
12 - 48 months
APR4.74%
Term12 - 48 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
4.74%
72-75 months
APR4.74%
Term72-75 months
Last UpdatedJun 16, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
4.74%
24 months
APR4.74%
Term24 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.74%
Up to 36 Months
APR4.74%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details

As Low As

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
4.75%
37-64 Months
APR4.75%
Term37-64 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
4.75%
72 Months
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
4.90%
48 months
APR4.90%
Term48 months
Last UpdatedJun 16, 2026
Details

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

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.94%
37-48 Months
APR4.94%
Term37-48 Months
Last UpdatedJun 16, 2026
Details

As Low As

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.99%
37-48 months
APR4.99%
Term37-48 months
Last UpdatedJun 16, 2026
Details

As Low As

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
4.99%
Up to 72 months
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

As Low As; Loyalty Plus & Online Application Discount: 4.39%

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
4.99%
65-76 Months
APR4.99%
Term65-76 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 750+

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
APR4.99%
Term60-month
Last UpdatedJun 16, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 48 months Loan
5.09%
48 months
APR5.09%
Term48 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $462.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.09%
48 months
APR5.09%
Term48 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $462.00

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - 49 - 72 Months
5.09%
72 Months
APR5.09%
Term72 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
5.09%
60 Months
APR5.09%
Term60 Months
Last UpdatedJun 16, 2026
Details

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.15%
49-60 months
APR5.15%
Term49-60 months
Last UpdatedJun 16, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
5.19%
36 Months
APR5.19%
Term36 Months
Last UpdatedJun 16, 2026
Details

A+ Tier

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.24%
37 to 66 months
APR5.24%
Term37 to 66 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 4.74% APR

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.24%
49 - 60 months
APR5.24%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
5.24%
72-month
APR5.24%
Term72-month
Last UpdatedJun 16, 2026
Details

As Low As

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
5.24%
49-66 Months
APR5.24%
Term49-66 Months
Last UpdatedJun 16, 2026
Details

As Low As

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
5.25%
1-36 Months
APR5.25%
Term1-36 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
New Vehicle Loan
5.25%
84 Months
APR5.25%
Term84 Months
Last UpdatedJun 16, 2026
Details

As Low As

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - 73 - 78 Months
5.29%
78 Months
APR5.29%
Term78 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
5.30%
65 months
APR5.30%
Term65 months
Last UpdatedJun 16, 2026
Details

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

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.35%
61-72 months
APR5.35%
Term61-72 months
Last UpdatedJun 16, 2026
Details

As Low As

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.39%
Up to 78 months
APR5.39%
TermUp to 78 months
Last UpdatedJun 16, 2026
Details

As Low As; Loyalty Plus & Online Application Discount: 4.79%

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
5.39%
48 Months
APR5.39%
Term48 Months
Last UpdatedJun 16, 2026
Details

A+ Tier

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
5.39%
66 Month
APR5.39%
Term66 Month
Last UpdatedJun 16, 2026
Details

As Low As; (2023 - 2027)

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 60 months Loan
5.49%
60 months
APR5.49%
Term60 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $382.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.49%
60 months
APR5.49%
Term60 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $382.00

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - 79 - 84 Months
5.49%
84 Months
APR5.49%
Term84 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
5.49%
72 Months
APR5.49%
Term72 Months
Last UpdatedJun 16, 2026
Details

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.49%
61 - 75 months
APR5.49%
Term61 - 75 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle (Cost Loan
5.49%
75 Month
APR5.49%
Term75 Month
Last UpdatedJun 16, 2026
Details

over $15,000; As Low As

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
5.49%
75 Month
APR5.49%
Term75 Month
Last UpdatedJun 16, 2026
Details

As Low As; (Cost over $15,000)

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
5.50%
75 months**
APR5.50%
Term75 months**
Last UpdatedJun 16, 2026
Details

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

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
5.59%
36 Months
APR5.59%
Term36 Months
Last UpdatedJun 16, 2026
Details

A Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
5.59%
66 Months
APR5.59%
Term66 Months
Last UpdatedJun 16, 2026
Details

A+ Tier

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 66 months Loan
5.69%
66 months
APR5.69%
Term66 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $354.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.69%
66 months
APR5.69%
Term66 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $354.00

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.74%
49 - 60 months
APR5.74%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2018 - 2021

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
5.74%
67-75 Months
APR5.74%
Term67-75 Months
Last UpdatedJun 16, 2026
Details

As Low As

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New and Used Auto Loans - Cars & Trucks
5.74%
36 months
APR5.74%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New Vehicle Loan
5.75%
73-84 months
APR5.75%
Term73-84 months
Last UpdatedJun 16, 2026
Details

As Low As

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
5.75%
37-64 Months
APR5.75%
Term37-64 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 700-749

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 75 months Loan
5.79%
75 months
APR5.79%
Term75 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $319.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.79%
75 months
APR5.79%
Term75 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $319.00

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
New Auto Loan
5.79%
Up to 84 months
APR5.79%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details

As Low As; Loyalty Plus & Online Application Discount: 5.19%

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
5.79%
48 Months
APR5.79%
Term48 Months
Last UpdatedJun 16, 2026
Details

A Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
5.79%
75 Months
APR5.79%
Term75 Months
Last UpdatedJun 16, 2026
Details

A+ Tier

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Auto
5.89%
84 Months
APR5.89%
Term84 Months
Last UpdatedJun 16, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
5.89%
36 months
APR5.89%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.94%
76 to 84 months
APR5.94%
Term76 to 84 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 5.44% APR

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 84 months Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $366.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $366.00

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.99%
76 - 84 months
APR5.99%
Term76 - 84 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
5.99%
65-76 Months
APR5.99%
Term65-76 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 700-749

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
5.99%
66 Months
APR5.99%
Term66 Months
Last UpdatedJun 16, 2026
Details

A Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
5.99%
84 Months
APR5.99%
Term84 Months
Last UpdatedJun 16, 2026
Details

A+ Tier

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
6.00%
84 months**
APR6.00%
Term84 months**
Last UpdatedJun 16, 2026
Details

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

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.14%
48 months
APR6.14%
Term48 months
Last UpdatedJun 16, 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: 1.12%
New & Used Automobiles
6.24%
61 - 75 months
APR6.24%
Term61 - 75 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2018 - 2021

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
6.25%
90 months**
APR6.25%
Term90 months**
Last UpdatedJun 16, 2026
Details

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

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
6.25%
77-88 Months
APR6.25%
Term77-88 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 700-749

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
6.29%
75 Months
APR6.29%
Term75 Months
Last UpdatedJun 16, 2026
Details

A Tier

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
6.29%
76-84 Months
APR6.29%
Term76-84 Months
Last UpdatedJun 16, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle (Cost Loan
6.29%
84 Month
APR6.29%
Term84 Month
Last UpdatedJun 16, 2026
Details

over $25,000; As Low As

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
New Vehicle Loan
6.29%
84 Month
APR6.29%
Term84 Month
Last UpdatedJun 16, 2026
Details

As Low As; (Cost over $25,000)

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
6.49%
84 Months
APR6.49%
Term84 Months
Last UpdatedJun 16, 2026
Details

A Tier

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
New Auto Loan (2023 or newer)
6.49%
84 months
APR6.49%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
6.59%
36 Months
APR6.59%
Term36 Months
Last UpdatedJun 16, 2026
Details

B Tier

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.64%
Up to 65 months
APR6.64%
TermUp to 65 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 6.14% APR

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
6.69%
48 Months
APR6.69%
Term48 Months
Last UpdatedJun 16, 2026
Details

B Tier

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.69%
60 months
APR6.69%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.74%
66 to 75 months
APR6.74%
Term66 to 75 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 6.24% APR

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
6.74%
76 - 84 months
APR6.74%
Term76 - 84 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2018 - 2021

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
6.75%
1-36 Months
APR6.75%
Term1-36 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 660-699

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
6.79%
72 months
APR6.79%
Term72 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.84%
Up to 60 months
APR6.84%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 6.34% APR

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
6.89%
66 Months
APR6.89%
Term66 Months
Last UpdatedJun 16, 2026
Details

B Tier

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
6.99%
48 Months
APR6.99%
Term48 Months
Last UpdatedJun 16, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
7.09%
75 Months
APR7.09%
Term75 Months
Last UpdatedJun 16, 2026
Details

B Tier

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
New Auto
7.14%
84 months
APR7.14%
Term84 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicle may be up to two years old with less than 25,000 miles.

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
7.25%
37-64 Months
APR7.25%
Term37-64 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 660-699

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
7.29%
60 Months
APR7.29%
Term60 Months
Last UpdatedJun 16, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
7.29%
84 Months
APR7.29%
Term84 Months
Last UpdatedJun 16, 2026
Details

B Tier

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
7.49%
72 Months
APR7.49%
Term72 Months
Last UpdatedJun 16, 2026
Details

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
7.49%
65-76 Months
APR7.49%
Term65-76 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 660-699

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
7.54%
36 to 48 months
APR7.54%
Term36 to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 7.04% APR

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
7.75%
77-88 Months
APR7.75%
Term77-88 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 660-699

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Powersports Vehicle Loan
7.99%
84 Months
APR7.99%
Term84 Months
Last UpdatedJun 16, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 0 - 36 Months Loan
8.39%
36 Months
APR8.39%
Term36 Months
Last UpdatedJun 16, 2026
Details

C Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 37 - 48 Months Loan
8.59%
48 Months
APR8.59%
Term48 Months
Last UpdatedJun 16, 2026
Details

C Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 49 - 66 Months Loan
8.79%
66 Months
APR8.79%
Term66 Months
Last UpdatedJun 16, 2026
Details

C Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 67 - 75 Months Loan
8.99%
75 Months
APR8.99%
Term75 Months
Last UpdatedJun 16, 2026
Details

C Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
NEW VEHICLES 2025-2026 NEVER TITLED 76 - 84 Months Loan
9.19%
84 Months
APR9.19%
Term84 Months
Last UpdatedJun 16, 2026
Details

C Tier

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
10.25%
1-36 Months
APR10.25%
Term1-36 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 600-659

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
10.75%
37-64 Months
APR10.75%
Term37-64 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 600-659

Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
2024 or Newer Vehicle Loan
10.99%
65-76 Months
APR10.99%
Term65-76 Months
Last UpdatedJun 16, 2026
Details

Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 600-659

Springer Used Auto Auto Loan Rates

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: 42.99%
New and Used Auto Loans
3.99%
Up to 36 months
APR3.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 3.59% APR

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New and Used Auto Loans - Cars & Trucks
3.99%
36 months
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.25%
24 Months
APR4.25%
Term24 Months
Last UpdatedJun 16, 2026
Details

As Low As

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less) Loan
4.50%
Up to 60 Months
APR4.50%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (5 - 10 years old) Loan
4.50%
Up to 60 Months
APR4.50%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.55%
36 Months
APR4.55%
Term36 Months
Last UpdatedJun 16, 2026
Details

As Low As

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - Up to 48 Months
4.59%
48 Months
APR4.59%
Term48 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.64%
Up to 36 months
APR4.64%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 36 months Loan
4.67%
36 months
APR4.67%
Term36 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $597.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
4.67%
36 months
APR4.67%
Term36 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $597.00

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
4.74%
36 months
APR4.74%
Term36 months
Last UpdatedJun 16, 2026
Details

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

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
4.74%
12 - 48 months
APR4.74%
Term12 - 48 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
4.75%
48 Months
APR4.75%
Term48 Months
Last UpdatedJun 16, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
4.90%
48 months
APR4.90%
Term48 months
Last UpdatedJun 16, 2026
Details

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

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
4.99%
37-48 months
APR4.99%
Term37-48 months
Last UpdatedJun 16, 2026
Details

As Low As

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
APR4.99%
Term60-month
Last UpdatedJun 16, 2026
Details

As Low As

Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
Used Vehicles (4 years old or less) Loan
5.00%
72 Months
APR5.00%
Term72 Months
Last UpdatedJun 16, 2026
Details

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
5.05%
60 Months
APR5.05%
Term60 Months
Last UpdatedJun 16, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 48 months Loan
5.09%
48 months
APR5.09%
Term48 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $462.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.09%
48 months
APR5.09%
Term48 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $462.00

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - 49 - 72 Months
5.09%
72 Months
APR5.09%
Term72 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.15%
49-60 months
APR5.15%
Term49-60 months
Last UpdatedJun 16, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.19%
24 Months
APR5.19%
Term24 Months
Last UpdatedJun 16, 2026
Details

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
5.19%
Up to 72 months
APR5.19%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details

As Low As; Loyalty Plus & Online Application Discount: 4.59%

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.24%
37 to 66 months
APR5.24%
Term37 to 66 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 4.74% APR

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.24%
49 - 60 months
APR5.24%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - 73 - 78 Months
5.29%
78 Months
APR5.29%
Term78 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value; (Minimum financed amount = $20,000)

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.29%
36 Months
APR5.29%
Term36 Months
Last UpdatedJun 16, 2026
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
5.30%
65 months
APR5.30%
Term65 months
Last UpdatedJun 16, 2026
Details

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

Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
New & Used Vehicle Loan
5.35%
61-72 months
APR5.35%
Term61-72 months
Last UpdatedJun 16, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 60 months Loan
5.49%
60 months
APR5.49%
Term60 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $382.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.49%
60 months
APR5.49%
Term60 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $382.00

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New and Used Autos - 79 - 84 Months
5.49%
84 Months
APR5.49%
Term84 Months
Last UpdatedJun 16, 2026
Details

All loans quoted at 80% Loan to Value; (Minimum financed amount = $30,000)

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.49%
48 Months
APR5.49%
Term48 Months
Last UpdatedJun 16, 2026
Details

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.49%
61 - 75 months
APR5.49%
Term61 - 75 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
5.50%
75 months**
APR5.50%
Term75 months**
Last UpdatedJun 16, 2026
Details

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

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 66 months Loan
5.69%
66 months
APR5.69%
Term66 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $354.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.69%
66 months
APR5.69%
Term66 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $354.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old) Loan
5.69%
36 months
APR5.69%
Term36 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $606.00

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.74%
49 - 60 months
APR5.74%
Term49 - 60 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2018 - 2021

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
Used Auto
5.74%
2017-2020
APR5.74%
Term2017-2020
Last UpdatedJun 16, 2026
Details

As Low As

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New and Used Auto Loans - Cars & Trucks
5.74%
36 months
APR5.74%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2022 - 1994
5.75%
Up to 60 months
APR5.75%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

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

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 75 months Loan
5.79%
75 months
APR5.79%
Term75 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $319.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.79%
75 months
APR5.79%
Term75 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $319.00

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.80%
60 Months
APR5.80%
Term60 Months
Last UpdatedJun 16, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
5.90%
72 Months
APR5.90%
Term72 Months
Last UpdatedJun 16, 2026
Details

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
5.94%
76 to 84 months
APR5.94%
Term76 to 84 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 5.44% APR

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) - 84 months Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments $366.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
New & Used Vehicles (Up to 5 Years Old) Loan
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $366.00

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old) Loan
5.99%
7 Years
APR5.99%
Term7 Years
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $470.00

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
5.99%
76 - 84 months
APR5.99%
Term76 - 84 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2022 - 2027

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2023 and newer
6.00%
84 months**
APR6.00%
Term84 months**
Last UpdatedJun 16, 2026
Details

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

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old) Loan
6.09%
7 Years
APR6.09%
Term7 Years
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $388.00

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Auto
6.14%
84 Months
APR6.14%
Term84 Months
Last UpdatedJun 16, 2026
Details

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
6.24%
61 - 75 months
APR6.24%
Term61 - 75 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2018 - 2021

Artesia Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
Used Auto
6.24%
2016 and older
APR6.24%
Term2016 and older
Last UpdatedJun 16, 2026
Details

As Low As

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2022 - 1994
6.25%
61 - 75 months**
APR6.25%
Term61 - 75 months**
Last UpdatedJun 16, 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: 4.33%
Used Auto Loan - 2023 and newer
6.25%
90 months**
APR6.25%
Term90 months**
Last UpdatedJun 16, 2026
Details

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

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Used Vehicle Loan
6.25%
72 Months
APR6.25%
Term72 Months
Last UpdatedJun 16, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.59%
Used Vehicles (5-7 Years Old) Loan
6.59%
7 Years
APR6.59%
Term7 Years
Last UpdatedJun 11, 2026
Details

As Low As; Estimated Monthly Payments: $327.00

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.64%
Up to 65 months
APR6.64%
TermUp to 65 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 6.14% APR

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.74%
66 to 75 months
APR6.74%
Term66 to 75 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 6.24% APR

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
New & Used Automobiles
6.74%
76 - 84 months
APR6.74%
Term76 - 84 months
Last UpdatedJun 16, 2026
Details

Vehicle Year: 2018 - 2021

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
6.84%
Up to 60 months
APR6.84%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 6.34% APR

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2016-2022)
6.99%
60 months
APR6.99%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Used Auto
7.04%
24 months
APR7.04%
Term24 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Max Mileage 65K (2019-2022) Loan
7.09%
84 month
APR7.09%
Term84 month
Last UpdatedJun 16, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Max Mileage 65K Loan
7.09%
84 month
APR7.09%
Term84 month
Last UpdatedJun 16, 2026
Details

As Low As; (2019-2022)

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Used Auto Loan - 2022 - 1994
7.25%
76-90 months**
APR7.25%
Term76-90 months**
Last UpdatedJun 16, 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: 4.43%
Used Auto Loan (2016-2022)
7.49%
72-75 months
APR7.49%
Term72-75 months
Last UpdatedJun 16, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★ Texas Ratio: 42.99%
New and Used Auto Loans
7.54%
36 to 48 months
APR7.54%
Term36 to 48 months
Last UpdatedJun 16, 2026
Details

As Low As; MemPerx Max Benefit: as low as 7.04% APR

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Used Auto
7.54%
36 months
APR7.54%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle (2018 and older) Loan
7.59%
75 Month
APR7.59%
Term75 Month
Last UpdatedJun 16, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
Used Vehicle Loan
7.59%
75 Month
APR7.59%
Term75 Month
Last UpdatedJun 16, 2026
Details

As Low As; (2018 and older)

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Late Model Used Auto
7.64%
48 months
APR7.64%
Term48 months
Last UpdatedJun 16, 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: 10.69%
Late Model Used Auto
7.74%
60 months
APR7.74%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
7.99%
48 Months
APR7.99%
Term48 Months
Last UpdatedJun 16, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
Late Model Used Auto
8.05%
66 months
APR8.05%
Term66 months
Last UpdatedJun 16, 2026
Details

As Low As; Vehicles up to four years old or with more than 25,000 miles.

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
8.25%
24 months
APR8.25%
Term24 months
Last UpdatedJun 16, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.29%
60 Months
APR8.29%
Term60 Months
Last UpdatedJun 16, 2026
Details

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.49%
72 Months
APR8.49%
Term72 Months
Last UpdatedJun 16, 2026
Details

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
8.75%
36 months
APR8.75%
Term36 months
Last UpdatedJun 16, 2026
Details

As Low As

Cannon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Powersports Vehicle Loan
8.99%
84 Months
APR8.99%
Term84 Months
Last UpdatedJun 16, 2026
Details

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
9.25%
48 months
APR9.25%
Term48 months
Last UpdatedJun 16, 2026
Details

As Low As

ZIA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Used Auto Loan (2015 and older)
10.00%
60 months
APR10.00%
Term60 months
Last UpdatedJun 16, 2026
Details

As Low As

Springer, NM Auto Loan Rate Trends

Compare local Springer, NM auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full New Mexico Auto Trends →
New Auto Loan — NM Avg
6.026%
▲ 0.047 vs 7 days ago

New Mexico new auto rates rose 0.047 points over the past 7 days to 6.026% APR.

Used Auto Loan — NM Avg
6.055%
▼ 0.285 vs 7 days ago

New Mexico used auto rates fell 0.285 points over the past 7 days to 6.055% APR.

As of Jun 19, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Springer, New Mexico auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Springer, New Mexico directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Springer, New Mexico. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NM.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Frequently Asked Questions about Auto Loans in Springer, 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 Springer, 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 Springer, 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 Springer, New Mexico?

Based on our current data, some of the lowest auto loan rates available in Springer, New Mexico include:
  • Four Corners Federal Credit Union: 3.25% (New Vehicle Loan)
  • US Eagle Federal Credit Union: 3.99% (New and Used Auto Loans)
  • Del Norte Credit Union: 3.99% (New and Used Auto Loans - Cars & Trucks)
  • State Employees Credit Union: 3.99% (Auto Loans)
  • Chaves County School Employees Credit Union: 4.00% (New Vehicles Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Springer, New Mexico. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026