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Auto Loan Rates in Cheyenne, Wyoming (WY) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
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.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 6, 2026

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%, Western Vista Federal Credit UnionWestern Vista Federal Credit Union3207 Sparks Rd, Cheyenne, WY, 82001A5.0 ★Texas Ratio: 7.81% offering Automobiles 2023 and Newer at 5.55%, Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit UnionA+5.0 ★Texas Ratio: 3.63% offering New Auto (7 Years Old or Newer) at 4.99%, Sunlight Federal Credit UnionSunlight Federal Credit UnionA+5.0 ★Texas Ratio: 4.48% offering New Auto at 5.49%. Auto loan rates as of May 6, 2026 according to verified data from MonitorBankRates.

Cheyenne has 2 local institutions in our database, with auto loan rates as low as 4.49% APR from First Education Federal Credit Union at 120 W Carlson St, Cheyenne, WY, 82009. 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 Cheyenne, Wyoming. Auto Loan Rates Last Updated and Verified: May 6, 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
View
▼
APR4.49%
Term48-84 Months
Last UpdatedMay 6, 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
View
▼
APR4.99%
Term48-84 Months
Last UpdatedMay 6, 2026
Details

Western Vista Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.81%
3207 Sparks Rd, Cheyenne, WY, 82001
Automobiles 2023 and Newer
5.55%
24-84
View
▼
APR5.55%
Term24-84
Last UpdatedMay 6, 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 2019-2022
5.70%
24-75
View
▼
APR5.70%
Term24-75
Last UpdatedMay 6, 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 2016-2018
7.30%
23-60
View
▼
APR7.30%
Term23-60
Last UpdatedMay 6, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto (7 Years Old or Newer)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details

Up to 60 Months (700+ Credit Score)

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details

72 Months

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New Auto
5.49%
96 Months
View
▼
APR5.49%
Term96 Months
Last UpdatedMay 6, 2026
Details

As Low As; Up to 96 months

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
Used Auto
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Up to 84 months

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

84 Months

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Used Auto
6.49%
36 Months
View
▼
APR6.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

36 Months

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Used Auto (Over 7 Years Old)
6.49%
24 Months
View
▼
APR6.49%
Term24 Months
Last UpdatedMay 6, 2026
Details

24 Months

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
7.09%
96 Months
View
▼
APR7.09%
Term96 Months
Last UpdatedMay 6, 2026
Details

96 Months

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
View
▼
APR4.49%
Term48-84 Months
Last UpdatedMay 6, 2026
Details

Western Vista Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.81%
3207 Sparks Rd, Cheyenne, WY, 82001
Automobiles 2023 and Newer
5.55%
24-84
View
▼
APR5.55%
Term24-84
Last UpdatedMay 6, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto (7 Years Old or Newer)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details

Up to 60 Months (700+ Credit Score)

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 6, 2026
Details

72 Months

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
New Auto
5.49%
96 Months
View
▼
APR5.49%
Term96 Months
Last UpdatedMay 6, 2026
Details

As Low As; Up to 96 months

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details

84 Months

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
New Auto
7.09%
96 Months
View
▼
APR7.09%
Term96 Months
Last UpdatedMay 6, 2026
Details

96 Months

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
View
▼
APR4.99%
Term48-84 Months
Last UpdatedMay 6, 2026
Details

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
Used Auto
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Up to 84 months

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Used Auto
6.49%
36 Months
View
▼
APR6.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

36 Months

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Used Auto (Over 7 Years Old)
6.49%
24 Months
View
▼
APR6.49%
Term24 Months
Last UpdatedMay 6, 2026
Details

24 Months

Cheyenne, WY Auto Loan Rate Trends

Compare local Cheyenne, WY 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 Wyoming Auto Trends →
New Auto Loan — WY Avg
5.421%
▲ 0.121 vs 7 days ago

Wyoming new auto rates rose 0.121 points over the past 7 days to 5.421% APR.

Used Auto Loan — WY Avg
5.710%
▲ 0.030 vs 7 days ago

Wyoming used auto rates rose 0.030 points over the past 7 days to 5.710% APR.

As of May 8, 2026 • Rate data sourced from 8,500+ monitored institutions 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)
  • Western Vista Federal Credit Union: 5.55% (Automobiles 2023 and Newer)
  • Advantage Plus Federal Credit Union: 4.99% (New Auto (7 Years Old or Newer))
  • Sunlight Federal Credit Union: 5.49% (New Auto)
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: May 6, 2026

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