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Best Personal Loan Rates in Embudo, New Mexico (NM) - March 2026

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Brian McKay Brian McKay
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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 New Mexico borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: March 21, 2026

Current personal loan options available to borrowers in Embudo, New Mexico include: 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, 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, White Sands Federal Credit UnionWhite Sands Federal Credit Union2755 N Main St, Las Cruces, NM, 88001 1149A+5.0 ★Texas Ratio: 0.21% offering Anything Loan at 6.75% APR, and America First Federal Credit UnionAmerica First Federal Credit Union3400 NM 528 NW, Albuquerque, NM, 87114A5.0 ★Texas Ratio: 8.12% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR.

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 Embudo, 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 Embudo, New Mexico.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Embudo, 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 21, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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%
View
▼
APR4.00%
Last UpdatedMarch 21, 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%
View
▼
APR4.25%
Last UpdatedMarch 21, 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%
View
▼
APR4.50%
Last UpdatedMarch 21, 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%
View
▼
APR4.75%
Last UpdatedMarch 21, 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%
View
▼
APR4.99%
Last UpdatedMarch 21, 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%
View
▼
APR5.25%
Last UpdatedMarch 21, 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%
View
▼
APR5.75%
Last UpdatedMarch 21, 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%
View
▼
APR5.75%
Last UpdatedMarch 21, 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%
View
▼
APR5.99%
Last UpdatedMarch 21, 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%
View
▼
APR6.25%
Last UpdatedMarch 21, 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%
View
▼
APR6.25%
Last UpdatedMarch 21, 2026
Details

Range: 660 - 699

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
6.75%
View
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details

As Low As; Loyalty Plus & Online Application Discount

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%
View
▼
APR6.82%
Last UpdatedMarch 21, 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%
View
▼
APR7.01%
Last UpdatedMarch 21, 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%
View
▼
APR7.05%
Last UpdatedMarch 21, 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%
View
▼
APR7.28%
Last UpdatedMarch 21, 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%
View
▼
APR7.35%
Last UpdatedMarch 21, 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%
View
▼
APR7.48%
Last UpdatedMarch 21, 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%
View
▼
APR7.48%
Last UpdatedMarch 21, 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%
View
▼
APR7.75%
Last UpdatedMarch 21, 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%
View
▼
APR7.75%
Last UpdatedMarch 21, 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
C Loan
8.25%
View
▼
APR8.25%
Last UpdatedMarch 21, 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%
View
▼
APR8.25%
Last UpdatedMarch 21, 2026
Details

As Low As; $1500.00 Max. Oct. 1 - Jan. 31

LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
808 Washington Ave, Alamogordo, NM, 88310 5166
Vacation Loan
8.50%
View
▼
APR8.50%
Last UpdatedMarch 21, 2026
Details

As Low As; $2,500.00 Max

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%
View
▼
APR8.50%
Last UpdatedMarch 21, 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.

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%
View
▼
APR8.50%
Last UpdatedMarch 21, 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%
View
▼
APR8.90%
Last UpdatedMarch 21, 2026
Details

Tier Level: A+; Equifax Score: 750+

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%
View
▼
APR8.90%
Last UpdatedMarch 21, 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
8.99%
View
▼
APR8.99%
Last UpdatedMarch 21, 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%
View
▼
APR8.99%
Last UpdatedMarch 21, 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%
View
▼
APR8.99%
Last UpdatedMarch 21, 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%
View
▼
APR9.24%
Last UpdatedMarch 21, 2026
Details

As Low As; Regular APR: 9.24% -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%
View
▼
APR9.40%
Last UpdatedMarch 21, 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%
View
▼
APR9.49%
Last UpdatedMarch 21, 2026
Details

Up to 12 Months; 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%
View
▼
APR9.49%
Last UpdatedMarch 21, 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%
View
▼
APR9.59%
Last UpdatedMarch 21, 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%
View
▼
APR9.75%
Last UpdatedMarch 21, 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%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

Range: 740 and UP

ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

As Low As

FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
Credit Rebuilder Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 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
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 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
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 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 Loans
10.25%
View
▼
APR10.25%
Last UpdatedMarch 21, 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%
View
▼
APR10.25%
Last UpdatedMarch 21, 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%
View
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details

Range: 740 and UP

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%
View
▼
APR10.49%
Last UpdatedMarch 21, 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%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

Up to 12 Months; Tier Level: A; Equifax Score: 700-749

ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Personal Loans
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Kirtland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Signature Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

1-DAY PERSONAL LOAN SPECIAL

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%
View
▼
APR10.50%
Last UpdatedMarch 21, 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%
View
▼
APR10.74%
Last UpdatedMarch 21, 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%
View
▼
APR10.75%
Last UpdatedMarch 21, 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%
View
▼
APR10.75%
Last UpdatedMarch 21, 2026
Details

As Low As

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
Signature - Uncollateralized
10.75%
View
▼
APR10.75%
Last UpdatedMarch 21, 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
10.75%
View
▼
APR10.75%
Last UpdatedMarch 21, 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%
View
▼
APR10.75%
Last UpdatedMarch 21, 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%
View
▼
APR10.75%
Last UpdatedMarch 21, 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
Unsecured
10.99%
View
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details

37 to 60 Months; Tier Level: A+; Equifax Score: 750+

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%
View
▼
APR10.99%
Last UpdatedMarch 21, 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%
View
▼
APR10.99%
Last UpdatedMarch 21, 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
11.00%
View
▼
APR11.00%
Last UpdatedMarch 21, 2026
Details

up to $6,000

Questa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
2433 NM 522, Questa, NM, 87556
Signature
11.00%
View
▼
APR11.00%
Last UpdatedMarch 21, 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
11.05%
View
▼
APR11.05%
Last UpdatedMarch 21, 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
11.25%
View
▼
APR11.25%
Last UpdatedMarch 21, 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%
View
▼
APR11.25%
Last UpdatedMarch 21, 2026
Details

Range: 740 and UP

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%
View
▼
APR11.25%
Last UpdatedMarch 21, 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%
View
▼
APR11.25%
Last UpdatedMarch 21, 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
11.49%
View
▼
APR11.49%
Last UpdatedMarch 21, 2026
Details

13 to 36 Months; Tier Level: A; Equifax Score: 700-749

Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
11.50%
View
▼
APR11.50%
Last UpdatedMarch 21, 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%
View
▼
APR11.50%
Last UpdatedMarch 21, 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%
View
▼
APR11.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Eddy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
1711 S Canal St, Carlsbad, NM, 88220
Personal Loans
11.50%
View
▼
APR11.50%
Last UpdatedMarch 21, 2026
Details

Rate based on creditworthiness and term of loan

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%
View
▼
APR11.75%
Last UpdatedMarch 21, 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
11.75%
View
▼
APR11.75%
Last UpdatedMarch 21, 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
11.99%
View
▼
APR11.99%
Last UpdatedMarch 21, 2026
Details

Up to 12 Months; Tier Level: B; Equifax Score: 660-699

ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
11.99%
View
▼
APR11.99%
Last UpdatedMarch 21, 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 72 Months
11.99%
View
▼
APR11.99%
Last UpdatedMarch 21, 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%
View
▼
APR12.00%
Last UpdatedMarch 21, 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%
View
▼
APR12.00%
Last UpdatedMarch 21, 2026
Details

As Low As; Up to 60 months

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%
View
▼
APR12.00%
Last UpdatedMarch 21, 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%
View
▼
APR12.25%
Last UpdatedMarch 21, 2026
Details

Range: 700 - 739

America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM, 87114
PERSONAL
12.49%
View
▼
APR12.49%
Last UpdatedMarch 21, 2026
Details

As Low As; Fixed

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%
View
▼
APR12.50%
Last UpdatedMarch 21, 2026
Details

up to $24,000

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%
View
▼
APR12.50%
Last UpdatedMarch 21, 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%
View
▼
APR12.50%
Last UpdatedMarch 21, 2026
Details

As Low As

LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
808 Washington Ave, Alamogordo, NM, 88310 5166
Wha What? Loan
12.75%
View
▼
APR12.75%
Last UpdatedMarch 21, 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%
View
▼
APR12.99%
Last UpdatedMarch 21, 2026
Details

13 to 36 Months; Tier Level: B; Equifax Score: 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
Signature Loan B
13.00%
View
▼
APR13.00%
Last UpdatedMarch 21, 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
13.00%
View
▼
APR13.00%
Last UpdatedMarch 21, 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
13.25%
View
▼
APR13.25%
Last UpdatedMarch 21, 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%
View
▼
APR13.49%
Last UpdatedMarch 21, 2026
Details

37 to 60 Months; Tier Level: B; Equifax Score: 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%
View
▼
APR13.50%
Last UpdatedMarch 21, 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%
View
▼
APR13.50%
Last UpdatedMarch 21, 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%
View
▼
APR13.50%
Last UpdatedMarch 21, 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
D Loan
14.00%
View
▼
APR14.00%
Last UpdatedMarch 21, 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
14.00%
View
▼
APR14.00%
Last UpdatedMarch 21, 2026
Details

Range: 660 - 699

Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM, 87417
Emergency Loan
14.00%
View
▼
APR14.00%
Last UpdatedMarch 21, 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
14.24%
View
▼
APR14.24%
Last UpdatedMarch 21, 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%
View
▼
APR14.50%
Last UpdatedMarch 21, 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
14.50%
View
▼
APR14.50%
Last UpdatedMarch 21, 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
14.74%
View
▼
APR14.74%
Last UpdatedMarch 21, 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%
View
▼
APR14.75%
Last UpdatedMarch 21, 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%
View
▼
APR15.49%
Last UpdatedMarch 21, 2026
Details

Up to 12 Months; Tier Level: C; Equifax Score: 600-659

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
D Loan
15.50%
View
▼
APR15.50%
Last UpdatedMarch 21, 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
15.50%
View
▼
APR15.50%
Last UpdatedMarch 21, 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%
View
▼
APR15.74%
Last UpdatedMarch 21, 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%
View
▼
APR16.00%
Last UpdatedMarch 21, 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%
View
▼
APR16.00%
Last UpdatedMarch 21, 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%
View
▼
APR16.00%
Last UpdatedMarch 21, 2026
Details

Range: 540 - 579

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%
View
▼
APR16.00%
Last UpdatedMarch 21, 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%
View
▼
APR16.00%
Last UpdatedMarch 21, 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 C
16.00%
View
▼
APR16.00%
Last UpdatedMarch 21, 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%
View
▼
APR16.24%
Last UpdatedMarch 21, 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%
View
▼
APR16.49%
Last UpdatedMarch 21, 2026
Details

13 to 36 Months; Tier Level: C; Equifax Score: 600-659

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 C
16.50%
View
▼
APR16.50%
Last UpdatedMarch 21, 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
16.50%
View
▼
APR16.50%
Last UpdatedMarch 21, 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
17.00%
View
▼
APR17.00%
Last UpdatedMarch 21, 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%
View
▼
APR17.00%
Last UpdatedMarch 21, 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
17.25%
View
▼
APR17.25%
Last UpdatedMarch 21, 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%
View
▼
APR17.25%
Last UpdatedMarch 21, 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%
View
▼
APR17.50%
Last UpdatedMarch 21, 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%
View
▼
APR17.50%
Last UpdatedMarch 21, 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%
View
▼
APR17.75%
Last UpdatedMarch 21, 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%
View
▼
APR17.75%
Last UpdatedMarch 21, 2026
Details

up to $6,000

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 D
18.00%
View
▼
APR18.00%
Last UpdatedMarch 21, 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%
View
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details

Competitive rates from 10% to 18% APR; Funds are deposited into your checking or savings account

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%
View
▼
APR18.00%
Last UpdatedMarch 21, 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

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
18.00%
View
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details

As Low As; Up to 60 months

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%
View
▼
APR18.00%
Last UpdatedMarch 21, 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%
View
▼
APR18.00%
Last UpdatedMarch 21, 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 D
18.00%
View
▼
APR18.00%
Last UpdatedMarch 21, 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
O/D Protection Loans C
18.00%
View
▼
APR18.00%
Last UpdatedMarch 21, 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
Subprime Loan
18.00%
View
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details

Range: 539 and less

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%
View
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details

Range: 539 and less

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%
View
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details

Range: 540 - 579

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
Eagle Success Loan
18.00%
View
▼
APR18.00%
Last UpdatedMarch 21, 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
18.00%
View
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details

Up to 12 Months; Tier Level: D; Equifax Score: 550-599

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%
View
▼
APR18.75%
Last UpdatedMarch 21, 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%
View
▼
APR25.00%
Last UpdatedMarch 21, 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%
View
▼
APR28.00%
Last UpdatedMarch 21, 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%
View
▼
APR28.00%
Last UpdatedMarch 21, 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%
View
▼
APR28.00%
Last UpdatedMarch 21, 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%
View
▼
APR28.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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%
View
▼
APR8.90%
Last UpdatedMarch 21, 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%
View
▼
APR9.49%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 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%
View
▼
APR10.25%
Last UpdatedMarch 21, 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%
View
▼
APR10.25%
Last UpdatedMarch 21, 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%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

As Low As

First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM, 87110 3160
Personal Loans
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 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%
View
▼
APR10.50%
Last UpdatedMarch 21, 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%
View
▼
APR10.75%
Last UpdatedMarch 21, 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%
View
▼
APR10.99%
Last UpdatedMarch 21, 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%
View
▼
APR11.05%
Last UpdatedMarch 21, 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%
View
▼
APR11.50%
Last UpdatedMarch 21, 2026
Details

Rate based on creditworthiness and term of loan

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%
View
▼
APR11.50%
Last UpdatedMarch 21, 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
12.50%
View
▼
APR12.50%
Last UpdatedMarch 21, 2026
Details

As Low As

No debt consolidation personal loan rates found in Embudo, NM currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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%
View
▼
APR8.99%
Last UpdatedMarch 21, 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%
View
▼
APR8.99%
Last UpdatedMarch 21, 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%
View
▼
APR9.24%
Last UpdatedMarch 21, 2026
Details

As Low As; Regular APR: 9.24% -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%
View
▼
APR9.40%
Last UpdatedMarch 21, 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%
View
▼
APR9.59%
Last UpdatedMarch 21, 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%
View
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details

Range: 740 and UP

ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 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
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 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
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 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%
View
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details

Range: 740 and UP

ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Kirtland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM, 87108
Signature Loan
10.49%
View
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details

1-DAY PERSONAL LOAN SPECIAL

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%
View
▼
APR10.74%
Last UpdatedMarch 21, 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%
View
▼
APR10.75%
Last UpdatedMarch 21, 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%
View
▼
APR10.75%
Last UpdatedMarch 21, 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%
View
▼
APR10.75%
Last UpdatedMarch 21, 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%
View
▼
APR10.75%
Last UpdatedMarch 21, 2026
Details

Range: 700 - 739

US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
Signature - Uncollateralized
10.75%
View
▼
APR10.75%
Last UpdatedMarch 21, 2026
Details

No additional details available.

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%
View
▼
APR10.99%
Last UpdatedMarch 21, 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%
View
▼
APR10.99%
Last UpdatedMarch 21, 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
11.00%
View
▼
APR11.00%
Last UpdatedMarch 21, 2026
Details

up to $6,000

Questa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
2433 NM 522, Questa, NM, 87556
Signature
11.00%
View
▼
APR11.00%
Last UpdatedMarch 21, 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
11.25%
View
▼
APR11.25%
Last UpdatedMarch 21, 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%
View
▼
APR11.25%
Last UpdatedMarch 21, 2026
Details

Range: 740 and UP

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%
View
▼
APR11.25%
Last UpdatedMarch 21, 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%
View
▼
APR11.25%
Last UpdatedMarch 21, 2026
Details

No additional details available.

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%
View
▼
APR11.50%
Last UpdatedMarch 21, 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%
View
▼
APR11.50%
Last UpdatedMarch 21, 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
11.75%
View
▼
APR11.75%
Last UpdatedMarch 21, 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
11.75%
View
▼
APR11.75%
Last UpdatedMarch 21, 2026
Details

up to $12,000

ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1001 Central Ave, Los Alamos, NM, 87544
Signature Loan
11.99%
View
▼
APR11.99%
Last UpdatedMarch 21, 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 72 Months
11.99%
View
▼
APR11.99%
Last UpdatedMarch 21, 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%
View
▼
APR12.00%
Last UpdatedMarch 21, 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%
View
▼
APR12.00%
Last UpdatedMarch 21, 2026
Details

As Low As; Up to 60 months

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%
View
▼
APR12.00%
Last UpdatedMarch 21, 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%
View
▼
APR12.25%
Last UpdatedMarch 21, 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
12.50%
View
▼
APR12.50%
Last UpdatedMarch 21, 2026
Details

up to $24,000

Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM, 87105
Signature Loans
12.50%
View
▼
APR12.50%
Last UpdatedMarch 21, 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
13.00%
View
▼
APR13.00%
Last UpdatedMarch 21, 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
13.00%
View
▼
APR13.00%
Last UpdatedMarch 21, 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
13.25%
View
▼
APR13.25%
Last UpdatedMarch 21, 2026
Details

up to $12,000

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
13.50%
View
▼
APR13.50%
Last UpdatedMarch 21, 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%
View
▼
APR13.50%
Last UpdatedMarch 21, 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%
View
▼
APR13.50%
Last UpdatedMarch 21, 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%
View
▼
APR14.00%
Last UpdatedMarch 21, 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%
View
▼
APR14.24%
Last UpdatedMarch 21, 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%
View
▼
APR14.50%
Last UpdatedMarch 21, 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%
View
▼
APR14.74%
Last UpdatedMarch 21, 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%
View
▼
APR14.75%
Last UpdatedMarch 21, 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%
View
▼
APR15.50%
Last UpdatedMarch 21, 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%
View
▼
APR15.74%
Last UpdatedMarch 21, 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 C
16.00%
View
▼
APR16.00%
Last UpdatedMarch 21, 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
16.00%
View
▼
APR16.00%
Last UpdatedMarch 21, 2026
Details

up to $8,000

FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM, 88012
Signature Loans
16.24%
View
▼
APR16.24%
Last UpdatedMarch 21, 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 C
16.50%
View
▼
APR16.50%
Last UpdatedMarch 21, 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
16.50%
View
▼
APR16.50%
Last UpdatedMarch 21, 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
17.00%
View
▼
APR17.00%
Last UpdatedMarch 21, 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%
View
▼
APR17.00%
Last UpdatedMarch 21, 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
17.25%
View
▼
APR17.25%
Last UpdatedMarch 21, 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%
View
▼
APR17.25%
Last UpdatedMarch 21, 2026
Details

up to $6,000

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM, 88201
Signature Loans
17.50%
View
▼
APR17.50%
Last UpdatedMarch 21, 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%
View
▼
APR17.75%
Last UpdatedMarch 21, 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%
View
▼
APR17.75%
Last UpdatedMarch 21, 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%
View
▼
APR18.00%
Last UpdatedMarch 21, 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%
View
▼
APR18.00%
Last UpdatedMarch 21, 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%
View
▼
APR18.00%
Last UpdatedMarch 21, 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%
View
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details

up to $2,000

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
18.00%
View
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details

As Low As; Up to 60 months

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%
View
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details

Competitive rates from 10% to 18% APR; Funds are deposited into your checking or savings account

No home improvement personal loan rates found in Embudo, NM currently.

Frequently Asked Questions

What credit score do I need for a personal loan in New Mexico?

Most lenders in Embudo, 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 Embudo, 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 Embudo, 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 Embudo, New Mexico?

Credit unions in Embudo, 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 Embudo, New Mexico?

  • 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)
  • White Sands Federal Credit Union: 6.75% (Anything Loan)
  • America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Embudo, New Mexico. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 21, 2026.

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