Best Personal Loan Rates in Bernalillo, New Mexico (NM) - March 2026
Content reviewed by
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 New Mexico borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Bernalillo, New Mexico include: First Financial Credit UnionFirst Financial Credit Union165 E Highway 550, Bernalillo, NM, 87004 5964A5.0 ★Texas Ratio: 10.46% offering Personal Loans at 10.49% APR, US Eagle Federal Credit UnionUS Eagle Federal Credit Union53 Jemez Canyon Dam Rd, Bernalillo, NM, 87004F1.5 ★Texas Ratio: 56.62% offering Signature - Uncollateralized at 10.75% APR, Northern New Mexico School Employees Federal Credit UnionNorthern New Mexico School Employees Federal Credit Union614 Alta Vista St, Santa Fe, NM, 87505A+5.0 ★Texas Ratio: 1.72% offering A+ Loan at 4.00% APR, Railroad Employees Credit UnionRailroad Employees Credit Union300 N 6th St, Belen, NM, 87002A+5.0 ★Texas Ratio: 2.87% offering Loans at 4.99% APR, and Otero Federal Credit UnionOtero Federal Credit Union3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310A+5.0 ★Texas Ratio: 1.15% offering EcoFriendly Loan at 5.99% APR. Personal loan rates as of March 26, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Bernalillo, New Mexico can save you significantly over the life of your loan.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Bernalillo, New Mexico.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Bernalillo, New Mexico. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: March 26, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
165 E Highway 550, Bernalillo, NM, 87004 5964
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 2026
Details
As Low As
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
53 Jemez Canyon Dam Rd, Bernalillo, NM, 87004
Signature - Uncollateralized
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
No additional details available.
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
53 Jemez Canyon Dam Rd, Bernalillo, NM, 87004
Eagle Success Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
A+ Loan
4.00%
▼
APR4.00%
Last UpdatedMarch 27, 2026
Details
Range: 740 and UP
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
A Loan
4.25%
▼
APR4.25%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
A Loan
4.50%
▼
APR4.50%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
A+ Loan
4.75%
▼
APR4.75%
Last UpdatedMarch 27, 2026
Details
Range: 740 and UP
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
300 N 6th St, Belen, NM, 87002
Loans
4.99%
▼
APR4.99%
Last UpdatedMarch 27, 2026
Details
Special Offer; Limited time only
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
A Loan
5.25%
▼
APR5.25%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
A+ Loan
5.75%
▼
APR5.75%
Last UpdatedMarch 27, 2026
Details
Range: 740 and UP
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
B Loan
5.75%
▼
APR5.75%
Last UpdatedMarch 27, 2026
Details
Range: 660 - 699
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
EcoFriendly Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
A Loan
6.25%
▼
APR6.25%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
B Loan
6.25%
▼
APR6.25%
Last UpdatedMarch 27, 2026
Details
Range: 660 - 699
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedMarch 27, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedMarch 27, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedMarch 27, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedMarch 27, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Anything Loan
7.35%
▼
APR7.35%
Last UpdatedMarch 27, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedMarch 27, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedMarch 27, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
B Loan
7.75%
▼
APR7.75%
Last UpdatedMarch 27, 2026
Details
Range: 660 - 699
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
C Loan
7.75%
▼
APR7.75%
Last UpdatedMarch 27, 2026
Details
Range: 620 - 659
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
808 Washington Ave, Alamogordo, NM, 88310 5166
Holiday Loan
8.25%
▼
APR8.25%
Last UpdatedMarch 27, 2026
Details
As Low As; $1500.00 Max. Oct. 1 - Jan. 31
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
C Loan
8.25%
▼
APR8.25%
Last UpdatedMarch 27, 2026
Details
Range: 620 - 659
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Land Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Land Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details
Valid for raw land five (5) acres or less in the counties of Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Dona Ana, Rio Arriba, Mora, San Miguel, and Los Alamos. Land loans are fixed rate loan products. A full appraisal and survey will be required on all land loans and normal closing costs, origination fees, application fees, and title insurance are required. See a representative for details.
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
808 Washington Ave, Alamogordo, NM, 88310 5166
Vacation Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 27, 2026
Details
As Low As; $2,500.00 Max
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
141 N Roadrunner Pkwy, Las Cruces, NM, 88011 2000
Personal loan
8.90%
▼
APR8.90%
Last UpdatedMarch 27, 2026
Details
As Low As
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Energy Efficiency Loans
8.90%
▼
APR8.90%
Last UpdatedMarch 27, 2026
Details
Tier Level: A+ (Equifax Score 750+)
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Signature
8.99%
▼
APR8.99%
Last UpdatedMarch 27, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
505 E Route 66 Blvd, Tucumcari, NM, 88401 3137
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM, 88101
Personal Unsecured
8.99%
▼
APR8.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
505 E Route 66 Blvd, Tucumcari, NM, 88401 3137
Signature Loan
9.24%
▼
APR9.24%
Last UpdatedMarch 27, 2026
Details
As Low As; Regular APR: 18.00%
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
Signature
9.40%
▼
APR9.40%
Last UpdatedMarch 27, 2026
Details
Signature
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
9.49%
▼
APR9.49%
Last UpdatedMarch 27, 2026
Details
Tier Level: A+ (Equifax Score 750+)
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 27, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Signature
9.59%
▼
APR9.59%
Last UpdatedMarch 27, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
C Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 27, 2026
Details
Range: 620 - 659
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
9.75%
▼
APR9.75%
Last UpdatedMarch 27, 2026
Details
Range: 740 and UP
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Platinum Unsecured Loan
9.90%
▼
APR9.90%
Last UpdatedMarch 27, 2026
Details
Minimum $5,000 Limit
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Closed-End Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
Credit Rebuilder Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
10.00%
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details
As Low As; Competitive rates from 10% to 18% APR; Funds are deposited into your checking or savings account
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 27, 2026
Details
As Low As
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 27, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
10.25%
▼
APR10.25%
Last UpdatedMarch 27, 2026
Details
Range: 740 and UP
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 2026
Details
1-DAY PERSONAL LOAN SPECIAL
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM, 87507
Unsecured Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 2026
Details
As Low As
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 2026
Details
Tier Level: A (Equifax Score 700-749)
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 27, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
Signature Loans
10.74%
▼
APR10.74%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
As Low As
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
up to $2,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
Range: 740 and UP
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
Signature Loans Up to 12 Months
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Open-End Signature
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
Tier Level: A+ (Equifax Score 750+)
Questa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
2433 NM 522, Questa, NM, 87556
Signature
11.00%
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details
up to $6,000
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
141 N Roadrunner Pkwy, Las Cruces, NM, 88011 2000
Personal loan
11.05%
▼
APR11.05%
Last UpdatedMarch 27, 2026
Details
As Low As
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMarch 27, 2026
Details
up to $8,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
11.25%
▼
APR11.25%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
11.25%
▼
APR11.25%
Last UpdatedMarch 27, 2026
Details
Range: 740 and UP
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
11.49%
▼
APR11.49%
Last UpdatedMarch 27, 2026
Details
Tier Level: A (Equifax Score 700-749)
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier A
11.50%
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
11.50%
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedMarch 27, 2026
Details
up to $12,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
11.75%
▼
APR11.75%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
Signature Loans Up to 72 Months
11.99%
▼
APR11.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
11.99%
▼
APR11.99%
Last UpdatedMarch 27, 2026
Details
Tier Level: B (Equifax Score 660-699)
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM, 88011
Signature
12.00%
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
210 E Idaho Ave, Las Cruces, NM, 88005 3279
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details
As Low As; Starting at 12.00% - 18.00% APR
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details
up to $6,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
12.25%
▼
APR12.25%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Traditional Unsecured Loan
12.25%
▼
APR12.25%
Last UpdatedMarch 27, 2026
Details
Minimum $500 Limit
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
PERSONAL
12.49%
▼
APR12.49%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedMarch 27, 2026
Details
up to $24,000
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
808 Washington Ave, Alamogordo, NM, 88310 5166
Wha What? Loan
12.75%
▼
APR12.75%
Last UpdatedMarch 27, 2026
Details
As Low As; $2,500.00 Max
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
12.99%
▼
APR12.99%
Last UpdatedMarch 27, 2026
Details
Tier Level: B (Equifax Score 660-699)
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedMarch 27, 2026
Details
up to $8,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
13.00%
▼
APR13.00%
Last UpdatedMarch 27, 2026
Details
Range: 660 - 699
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.25%
▼
APR13.25%
Last UpdatedMarch 27, 2026
Details
up to $12,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
13.49%
▼
APR13.49%
Last UpdatedMarch 27, 2026
Details
Tier Level: B (Equifax Score 660-699)
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.50%
▼
APR13.50%
Last UpdatedMarch 27, 2026
Details
up to $16,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
13.50%
▼
APR13.50%
Last UpdatedMarch 27, 2026
Details
Range: 660 - 699
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier B
13.50%
▼
APR13.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Emergency Loan
14.00%
▼
APR14.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
14.00%
▼
APR14.00%
Last UpdatedMarch 27, 2026
Details
Range: 660 - 699
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
D Loan
14.00%
▼
APR14.00%
Last UpdatedMarch 27, 2026
Details
Range: 580 - 619
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
14.24%
▼
APR14.24%
Last UpdatedMarch 27, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
D Loan
14.50%
▼
APR14.50%
Last UpdatedMarch 27, 2026
Details
Range: 580 - 619
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
14.50%
▼
APR14.50%
Last UpdatedMarch 27, 2026
Details
Range: 660 - 699
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
14.74%
▼
APR14.74%
Last UpdatedMarch 27, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
14.75%
▼
APR14.75%
Last UpdatedMarch 27, 2026
Details
up to $2,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
15.49%
▼
APR15.49%
Last UpdatedMarch 27, 2026
Details
Tier Level: C (Equifax Score 600-659)
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
15.50%
▼
APR15.50%
Last UpdatedMarch 27, 2026
Details
up to $6,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
D Loan
15.50%
▼
APR15.50%
Last UpdatedMarch 27, 2026
Details
Range: 580 - 619
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier C
15.74%
▼
APR15.74%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans A
16.00%
▼
APR16.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans A+
16.00%
▼
APR16.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans B
16.00%
▼
APR16.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
16.00%
▼
APR16.00%
Last UpdatedMarch 27, 2026
Details
up to $8,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
E Loan
16.00%
▼
APR16.00%
Last UpdatedMarch 27, 2026
Details
Range: 540 - 579
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
16.00%
▼
APR16.00%
Last UpdatedMarch 27, 2026
Details
Range: 620 - 659
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
Signature Loans
16.24%
▼
APR16.24%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
16.49%
▼
APR16.49%
Last UpdatedMarch 27, 2026
Details
Tier Level: C (Equifax Score 600-659)
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
16.50%
▼
APR16.50%
Last UpdatedMarch 27, 2026
Details
up to $12,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
16.50%
▼
APR16.50%
Last UpdatedMarch 27, 2026
Details
Range: 620 - 659
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.00%
▼
APR17.00%
Last UpdatedMarch 27, 2026
Details
up to $2,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
17.00%
▼
APR17.00%
Last UpdatedMarch 27, 2026
Details
Range: 620 - 659
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.25%
▼
APR17.25%
Last UpdatedMarch 27, 2026
Details
up to $6,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
17.25%
▼
APR17.25%
Last UpdatedMarch 27, 2026
Details
Range: 620 - 659
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Credit Builder Loan
17.50%
▼
APR17.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.50%
▼
APR17.50%
Last UpdatedMarch 27, 2026
Details
up to $8,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan D
17.75%
▼
APR17.75%
Last UpdatedMarch 27, 2026
Details
Range: 580 - 619
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.75%
▼
APR17.75%
Last UpdatedMarch 27, 2026
Details
up to $6,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan D
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
Range: 580 - 619
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM, 88240 3048
Unsecured
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
Tier Level: D (Equifax Score 550-599)
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Subprime Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
Range: 539 and less
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Credit Builder Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
Helps businesses with poor credit rebuild their score; Perfect for businesses with scores less than 649 or no score at all; 18% Fixed APR
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan E
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
Range: 540 - 579
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan Subprime
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
Range: 539 and less
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
up to $2,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans E
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans D
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
O/D Protection Loans C
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
Competitive rates from 10% to 18% APR; Funds are deposited into your checking or savings account
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
808 Washington Ave, Alamogordo, NM, 88310 5166
Payday Loan - Payroll Deduction Only
18.75%
▼
APR18.75%
Last UpdatedMarch 27, 2026
Details
As Low As; $50 - $500 Max
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Paycheck Advance Loan
25.00%
▼
APR25.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Payday Alternative Loan 1st PAL
28.00%
▼
APR28.00%
Last UpdatedMarch 27, 2026
Details
Maximum Term for Payday Alternative Loans is 6 Months.; Monthly Payment cannot exceed 25% of Gross Monthly Wages.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM, 87025 0120
Payday Alternative Loan All PAL's after
28.00%
▼
APR28.00%
Last UpdatedMarch 27, 2026
Details
Maximum Term for Payday Alternative Loans is 6 Months.; Monthly Payment cannot exceed 25% of Gross Monthly Wages.
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
PAL Loan
28.00%
▼
APR28.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Paycheck Advance Loan
28.00%
▼
APR28.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
165 E Highway 550, Bernalillo, NM, 87004 5964
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 2026
Details
As Low As
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
141 N Roadrunner Pkwy, Las Cruces, NM, 88011 2000
Personal loan
8.90%
▼
APR8.90%
Last UpdatedMarch 27, 2026
Details
As Low As
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM, 88210 2000
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 27, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Closed-End Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 27, 2026
Details
As Low As
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 27, 2026
Details
As Low As
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM, 87507
Unsecured Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM, 87117
Personal Loan
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Open-End Signature
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
141 N Roadrunner Pkwy, Las Cruces, NM, 88011 2000
Personal loan
11.05%
▼
APR11.05%
Last UpdatedMarch 27, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Personal Loans
11.50%
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM, 87107
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Powered by
MonitorBankRates
No debt consolidation personal loan rates found in Bernalillo, NM currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
53 Jemez Canyon Dam Rd, Bernalillo, NM, 87004
Signature - Uncollateralized
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
No additional details available.
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Signature
8.99%
▼
APR8.99%
Last UpdatedMarch 27, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
505 E Route 66 Blvd, Tucumcari, NM, 88401 3137
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
505 E Route 66 Blvd, Tucumcari, NM, 88401 3137
Signature Loan
9.24%
▼
APR9.24%
Last UpdatedMarch 27, 2026
Details
As Low As; Regular APR: 18.00%
Chaves County School Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
1401 N Lea Ave, Roswell, NM, 88201
Signature
9.40%
▼
APR9.40%
Last UpdatedMarch 27, 2026
Details
Signature
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM, 88001 1149
Signature
9.59%
▼
APR9.59%
Last UpdatedMarch 27, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
9.75%
▼
APR9.75%
Last UpdatedMarch 27, 2026
Details
Range: 740 and UP
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Closed-End Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
As Low As
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
10.00%
▼
APR10.00%
Last UpdatedMarch 27, 2026
Details
As Low As; Competitive rates from 10% to 18% APR; Funds are deposited into your checking or savings account
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
10.25%
▼
APR10.25%
Last UpdatedMarch 27, 2026
Details
Range: 740 and UP
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 2026
Details
1-DAY PERSONAL LOAN SPECIAL
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 27, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM, 87505 7607
Signature Loans
10.74%
▼
APR10.74%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
Range: 740 and UP
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
up to $2,000
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
10.75%
▼
APR10.75%
Last UpdatedMarch 27, 2026
Details
As Low As
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
Signature Loans Up to 12 Months
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM, 88310
Personal Loans Open-End Signature
10.99%
▼
APR10.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Questa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
2433 NM 522, Questa, NM, 87556
Signature
11.00%
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedMarch 27, 2026
Details
up to $6,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A+
11.25%
▼
APR11.25%
Last UpdatedMarch 27, 2026
Details
Range: 740 and UP
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
11.25%
▼
APR11.25%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMarch 27, 2026
Details
up to $8,000
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
11.50%
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier A
11.50%
▼
APR11.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedMarch 27, 2026
Details
up to $12,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
11.75%
▼
APR11.75%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
1375 E Boutz Rd, Las Cruces, NM, 88001 5305
Signature Loans Up to 72 Months
11.99%
▼
APR11.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM, 88011
Signature
12.00%
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
210 E Idaho Ave, Las Cruces, NM, 88005 3279
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details
As Low As; Starting at 12.00% - 18.00% APR
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMarch 27, 2026
Details
up to $6,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan A
12.25%
▼
APR12.25%
Last UpdatedMarch 27, 2026
Details
Range: 700 - 739
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedMarch 27, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedMarch 27, 2026
Details
up to $24,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedMarch 27, 2026
Details
up to $8,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
13.00%
▼
APR13.00%
Last UpdatedMarch 27, 2026
Details
Range: 660 - 699
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.25%
▼
APR13.25%
Last UpdatedMarch 27, 2026
Details
up to $12,000
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier B
13.50%
▼
APR13.50%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
13.50%
▼
APR13.50%
Last UpdatedMarch 27, 2026
Details
Range: 660 - 699
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.50%
▼
APR13.50%
Last UpdatedMarch 27, 2026
Details
up to $16,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
14.00%
▼
APR14.00%
Last UpdatedMarch 27, 2026
Details
Range: 660 - 699
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
14.24%
▼
APR14.24%
Last UpdatedMarch 27, 2026
Details
As Low As
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan B
14.50%
▼
APR14.50%
Last UpdatedMarch 27, 2026
Details
Range: 660 - 699
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
14.74%
▼
APR14.74%
Last UpdatedMarch 27, 2026
Details
As Low As
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
14.75%
▼
APR14.75%
Last UpdatedMarch 27, 2026
Details
up to $2,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
15.50%
▼
APR15.50%
Last UpdatedMarch 27, 2026
Details
up to $6,000
Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Signature Loan Tier C
15.74%
▼
APR15.74%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
16.00%
▼
APR16.00%
Last UpdatedMarch 27, 2026
Details
up to $8,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
16.00%
▼
APR16.00%
Last UpdatedMarch 27, 2026
Details
Range: 620 - 659
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
Signature Loans
16.24%
▼
APR16.24%
Last UpdatedMarch 27, 2026
Details
No additional details available.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
16.50%
▼
APR16.50%
Last UpdatedMarch 27, 2026
Details
up to $12,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
16.50%
▼
APR16.50%
Last UpdatedMarch 27, 2026
Details
Range: 620 - 659
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.00%
▼
APR17.00%
Last UpdatedMarch 27, 2026
Details
up to $2,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
17.00%
▼
APR17.00%
Last UpdatedMarch 27, 2026
Details
Range: 620 - 659
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.25%
▼
APR17.25%
Last UpdatedMarch 27, 2026
Details
up to $6,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan C
17.25%
▼
APR17.25%
Last UpdatedMarch 27, 2026
Details
Range: 620 - 659
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.50%
▼
APR17.50%
Last UpdatedMarch 27, 2026
Details
up to $8,000
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.75%
▼
APR17.75%
Last UpdatedMarch 27, 2026
Details
up to $6,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan D
17.75%
▼
APR17.75%
Last UpdatedMarch 27, 2026
Details
Range: 580 - 619
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM, 88201 5804
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
Competitive rates from 10% to 18% APR; Funds are deposited into your checking or savings account
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
up to $2,000
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan D
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
Range: 580 - 619
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan E
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
Range: 540 - 579
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM, 87505
Signature Loan Subprime
18.00%
▼
APR18.00%
Last UpdatedMarch 27, 2026
Details
Range: 539 and less
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No home improvement personal loan rates found in Bernalillo, NM currently.
Frequently Asked Questions
What credit score do I need for a personal loan in New Mexico?
Most lenders in Bernalillo, New Mexico require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in New Mexico often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Bernalillo, New Mexico require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in New Mexico?
Yes. Debt consolidation is one of the most common uses of personal loans in Bernalillo, New Mexico. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Bernalillo, New Mexico?
Credit unions in Bernalillo, New Mexico often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Bernalillo, New Mexico?
- First Financial Credit Union: 10.49% (Personal Loans)
- US Eagle Federal Credit Union: 10.75% (Signature - Uncollateralized)
- Northern New Mexico School Employees Federal Credit Union: 4.00% (A+ Loan)
- Railroad Employees Credit Union: 4.99% (Loans)
- Otero Federal Credit Union: 5.99% (EcoFriendly Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Bernalillo, New Mexico. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 26, 2026.
Personal Loan Calculators
