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Auto Loan Rates in Powder River, Wyoming (WY) for March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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 Powder River, 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: March 20, 2026

Current auto loan rates in Powder River, 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%, 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%, Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit Union485 S Washington St, Afton, WY, 83110A+5.0 ★Texas Ratio: 3.63% offering New Auto (7 Years Old or Newer) at 4.99%, 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%.

Auto loan rates in Powder River, 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 Powder River, Wyoming. Auto Loan Rates Last Updated and Verified: March 20, 2026

Compare Auto Loan Rates Today in Powder River, 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 UpdatedMar 16, 2026
Details

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
View
▼
APR4.90%
Term72 months
Last UpdatedMar 18, 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 UpdatedMar 16, 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
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details

Up to 60 Months (700+ Credit Score)

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
View
▼
APR5.14%
Term84 Months
Last UpdatedMar 17, 2026
Details

2025-2026 models with less
than 7,500 miles.

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
View
▼
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
View
▼
APR5.25%
Term60 months
Last UpdatedMar 18, 2026
Details

72 months @ 5.75%

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
View
▼
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
View
▼
APR5.79%
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
Used Autos 2011-2015
5.90%
60 months
View
▼
APR5.90%
Term60 months
Last UpdatedMar 18, 2026
Details

Western Vista Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.81%
3207 Sparks Rd, Cheyenne, WY, 82001
Automobiles
5.94%
24-36
View
▼
APR5.94%
Term24-36
Last UpdatedMar 15, 2026
Details

As Low As

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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.49%
Term24 Months
Last UpdatedMar 17, 2026
Details

24 Months

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
View
▼
APR6.75%
Term?60 months
Last UpdatedMar 20, 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
Used Autos 2004 & Older
6.90%
up to 48 months
View
▼
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
View
▼
APR7.09%
Term96 Months
Last UpdatedMar 17, 2026
Details

96 Months

Western Vista Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.81%
3207 Sparks Rd, Cheyenne, WY, 82001
Automobiles
7.57%
24-36
View
▼
APR7.57%
Term24-36
Last UpdatedMar 15, 2026
Details

As Low As

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 UpdatedMar 16, 2026
Details

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
View
▼
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
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details

Up to 60 Months (700+ Credit Score)

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
View
▼
APR5.14%
Term84 Months
Last UpdatedMar 17, 2026
Details

2025-2026 models with less
than 7,500 miles.

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
View
▼
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
View
▼
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
View
▼
APR7.09%
Term96 Months
Last UpdatedMar 17, 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 UpdatedMar 16, 2026
Details

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
View
▼
APR5.25%
Term60 months
Last UpdatedMar 18, 2026
Details

72 months @ 5.75%

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
View
▼
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 2011-2015
5.90%
60 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.90%
Termup to 48 months
Last UpdatedMar 18, 2026
Details

Frequently Asked Questions about Auto Loans in Powder River, 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 Powder River, 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 Powder River, 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 Powder River, Wyoming?

Based on our current data, some of the lowest auto loan rates available in Powder River, Wyoming include:
  • First Education Federal Credit Union: 4.49% (New Vehicles)
  • Citco Federal Credit Union: 4.90% (New Autos)
  • Advantage Plus Federal Credit Union: 4.99% (New Auto (7 Years Old or Newer))
  • Nuvision Federal Credit Union: 5.14% (New Cars)
  • Western Vista Federal Credit Union: 5.79% (Automobiles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Powder River, Wyoming. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026

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