Auto Loan Rates in Cheyenne, Wyoming (WY) for March 2026
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Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Cheyenne, Wyoming. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Cheyenne, Wyoming include First Education Federal Credit UnionFirst Education Federal Credit Union120 W Carlson St, Cheyenne, WY, 82009A+5.0 ★Texas Ratio: 0.37% offering New Vehicles at 4.49%, Nuvision Federal Credit UnionNuvision Federal Credit Union414 E 18th St, Cheyenne, WY, 82001 4616A+5.0 ★Texas Ratio: 3.70% offering New Cars at 5.14%, Western Vista Federal Credit UnionWestern Vista Federal Credit Union3207 Sparks Rd, Cheyenne, WY, 82001A5.0 ★Texas Ratio: 7.81% offering Automobiles at 5.79%, Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union2223 Warren Ave, Cheyenne, WY, 82001A+5.0 ★Texas Ratio: 3.55% offering Auto Loan at 6.75%, Citco Federal Credit UnionCitco Federal Credit Union502 N Main St, Sheridan, WY, 82801A+5.0 ★Texas Ratio: 2.69% offering New Autos at 4.90%.
Auto loan rates in Cheyenne, Wyoming are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Cheyenne, Wyoming. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Cheyenne, Wyoming & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY, 82009
New Vehicles
4.49%
48-84 Months
▼
APR4.49%
Term48-84 Months
Last UpdatedMar 16, 2026
Details
First Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY, 82009
Used Vehicles
4.99%
48-84 Months
▼
APR4.99%
Term48-84 Months
Last UpdatedMar 16, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
New Cars
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMar 17, 2026
Details
2025-2026 models with less
than 7,500 miles.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Used Cars
5.34%
84 Months
▼
APR5.34%
Term84 Months
Last UpdatedMar 17, 2026
Details
2017-2025 models.
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.81%
3207 Sparks Rd, Cheyenne, WY, 82001
Automobiles
5.79%
24-36
▼
APR5.79%
Term24-36
Last UpdatedMar 15, 2026
Details
As Low As
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.81%
3207 Sparks Rd, Cheyenne, WY, 82001
Automobiles
5.94%
24-36
▼
APR5.94%
Term24-36
Last UpdatedMar 15, 2026
Details
As Low As
Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
2223 Warren Ave, Cheyenne, WY, 82001
Auto Loan
6.75%
?60 months
▼
APR6.75%
Term?60 months
Last UpdatedMar 20, 2026
Details
As Low As
Western Vista Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.81%
3207 Sparks Rd, Cheyenne, WY, 82001
Automobiles
7.57%
24-36
▼
APR7.57%
Term24-36
Last UpdatedMar 15, 2026
Details
As Low As
Citco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
502 N Main St, Sheridan, WY, 82801
New Autos
4.90%
72 months
▼
APR4.90%
Term72 months
Last UpdatedMar 18, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
New Auto (7 Years Old or Newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
Up to 60 Months (700+ Credit Score)
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 17, 2026
Details
72 Months
Citco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
502 N Main St, Sheridan, WY, 82801
Used Autos 2016-2021
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedMar 18, 2026
Details
72 months @ 5.75%
Citco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
502 N Main St, Sheridan, WY, 82801
Used Autos 2011-2015
5.90%
60 months
▼
APR5.90%
Term60 months
Last UpdatedMar 18, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
New Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 17, 2026
Details
84 Months
Citco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
502 N Main St, Sheridan, WY, 82801
Used Autos 2005-2010
6.25%
60months
▼
APR6.25%
Term60months
Last UpdatedMar 18, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Used Auto
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
36 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Used Auto (Over 7 Years Old)
6.49%
24 Months
▼
APR6.49%
Term24 Months
Last UpdatedMar 17, 2026
Details
24 Months
Citco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
502 N Main St, Sheridan, WY, 82801
Used Autos 2004 & Older
6.90%
up to 48 months
▼
APR6.90%
Termup to 48 months
Last UpdatedMar 18, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
New Auto
7.09%
96 Months
▼
APR7.09%
Term96 Months
Last UpdatedMar 17, 2026
Details
96 Months
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY, 82009
New Vehicles
4.49%
48-84 Months
▼
APR4.49%
Term48-84 Months
Last UpdatedMar 16, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
New Cars
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMar 17, 2026
Details
2025-2026 models with less
than 7,500 miles.
Citco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
502 N Main St, Sheridan, WY, 82801
New Autos
4.90%
72 months
▼
APR4.90%
Term72 months
Last UpdatedMar 18, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
New Auto (7 Years Old or Newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
Up to 60 Months (700+ Credit Score)
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 17, 2026
Details
72 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
New Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 17, 2026
Details
84 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
New Auto
7.09%
96 Months
▼
APR7.09%
Term96 Months
Last UpdatedMar 17, 2026
Details
96 Months
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY, 82009
Used Vehicles
4.99%
48-84 Months
▼
APR4.99%
Term48-84 Months
Last UpdatedMar 16, 2026
Details
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Used Cars
5.34%
84 Months
▼
APR5.34%
Term84 Months
Last UpdatedMar 17, 2026
Details
2017-2025 models.
Citco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
502 N Main St, Sheridan, WY, 82801
Used Autos 2016-2021
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedMar 18, 2026
Details
72 months @ 5.75%
Citco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
502 N Main St, Sheridan, WY, 82801
Used Autos 2011-2015
5.90%
60 months
▼
APR5.90%
Term60 months
Last UpdatedMar 18, 2026
Details
Citco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
502 N Main St, Sheridan, WY, 82801
Used Autos 2005-2010
6.25%
60months
▼
APR6.25%
Term60months
Last UpdatedMar 18, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Used Auto
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
36 Months
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Used Auto (Over 7 Years Old)
6.49%
24 Months
▼
APR6.49%
Term24 Months
Last UpdatedMar 17, 2026
Details
24 Months
Citco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
502 N Main St, Sheridan, WY, 82801
Used Autos 2004 & Older
6.90%
up to 48 months
▼
APR6.90%
Termup to 48 months
Last UpdatedMar 18, 2026
Details
Powered by
MonitorBankRates
Frequently Asked Questions about Auto Loans in Cheyenne, Wyoming
How does my credit score affect my car loan rate in Wyoming?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Cheyenne, Wyoming 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 Wyoming *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 Cheyenne, Wyoming 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 Cheyenne, Wyoming?
Based on our current data, some of the lowest auto loan rates available in Cheyenne, Wyoming include:
- First Education Federal Credit Union: 4.49% (New Vehicles)
- Nuvision Federal Credit Union: 5.14% (New Cars)
- Western Vista Federal Credit Union: 5.79% (Automobiles)
- Meridian Trust Federal Credit Union: 6.75% (Auto Loan)
- Citco Federal Credit Union: 4.90% (New Autos)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Cheyenne, Wyoming. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
