Best Personal Loan Rates in Magdalena, New Mexico - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Magdalena, New Mexico include: State Employees Credit UnionState Employees Credit UnionC3.8 ★Texas Ratio: 26.10% offering Promotional Rate Loan at 3.99% APR, Estacado Federal Credit Union FCUEstacado Federal Credit Union FCUA+5.0 ★Texas Ratio: 1.88% offering 2025 or Newer - Up to 3 Years Loan at 4.25% APR, Northern New Mexico School Employees Federal Credit UnionNorthern New Mexico School Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.64% offering A (700 - 739) Loan at 4.25% APR, Nusenda Federal Credit UnionNusenda Federal Credit UnionA+5.0 ★Texas Ratio: 4.33% offering 2023 and newer Loan at 4.49% APR, and Otero Federal Credit UnionOtero Federal Credit UnionA+5.0 ★Texas Ratio: 1.12% offering EcoFriendly Loan at 5.99% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Magdalena borrowers have access to 19 lenders serving the New Mexico area, with personal loan rates as low as 3.99% APR from State Employees Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
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 Magdalena, New Mexico.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Magdalena, 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: July 11, 2026
Magdalena Personal Loan Rates
Intro rate expires: 84 Month; **
Rates by Year: 2025 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
No additional details available.
As Low As
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
Rates by Year: 2025 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rates by Year: 2025 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
No additional details available.
As Low As
Rates by Year: 2025 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2025 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2016-2024; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As
No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rates by Year: 2025 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2016-2024; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
No additional details available.
As Low As; Personal Loans
Rates by Year: 2016-2024; Tier Level: 6 Years (65-76M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2025 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rates by Year: 2016-2024; Tier Level: 7 Years (77-88M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2016-2024; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2025 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
No additional details available.
No additional details available.
As Low As; Some rules apply.
Rates by Year: 2016-2024; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2025 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Interest Rate: 6.5%
As Low As
Rates by Year: 2016-2024; Tier Level: 6 Years (65-76M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rates by Year: 2016-2024; Tier Level: 7 Years (77-88M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2025 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Interest Rate: 6.5%
6.75% with Loyalty Plus & Digital Services Discount
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
Rates by Year: 2025 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
As Low As
Rates by Year: 2015 or Older; Tier Level: Up to 5 Years (1-60M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2016-2024; Tier Level: Up to 3 Years (1-36M); Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
Rates by Year: 2025 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
As Low As
No additional details available.
No additional details available.
As Low As; Promotion valid through 8/31/2026.
As Low As; Loyalty Plus & Digital Services Discount: 7.40%
As Low As
As Low As
No additional details available.
As Low As
Rates by Year: 2016-2024; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
As Low As
Rates by Year: 2016-2024; Tier Level: 6 Years (65-76M); Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
As Low As
As Low As
As Low As; Loyalty Plus & Digital Services Discount: 7.90%
No additional details available.
No additional details available.
Rates by Year: 2015 or Older; Tier Level: Up to 5 Years (1-60M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2016-2024; Tier Level: 7 Years (77-88M); Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
Rates and terms are subject to change without notice. APR = Annual Percentage Rate. Min. = Minimum. *Energy Efficiency Loans have limitation for qualifying energy saving equipment and appliances. See Loan Department for specific requirements. Loan rates and terms are based on your Equifax credit score. You are not guaranteed credit based solely on your credit score.
No additional details available.
As Low As; Get Pre-approved today, we will lock in your rate for up to 60 days!
As Low As
As Low As; Loyalty Plus & Digital Services Discount: 8.49%
Equifax Score: 750+
Tier Level: Up to 12 Months; Equifax Score: 750+; Debt Ratio Maximum: 48%
As Low As
As Low As
As Low As
No additional details available.
As Low As; Some rules apply.
No additional details available.
Tier Level: A+; Equifax Score: 750+
As Low As; Personal Loans
APR as low as 9.99%
As low as
No additional details available.
Rates by Year: 2015 or Older; Tier Level: Up to 5 Years (1-60M); Equifax Score: 660-699; Loan to Value Max.(MSRP/NADA Retail): 110%; Debt Ratio Maximum: 48%
Rates by Year: 2025 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Tier Level: 13 to 36 Months; Equifax Score: 750+; Debt Ratio Maximum: 48%
Tier Level: Up to 12 Months; Equifax Score: 700-749; Debt Ratio Maximum: 48%
Equifax Score: 700-749
As low as
As low as
As Low As
As Low As
No additional details available.
Max APR: 14.75%; MemPerx Max Benefit: 10.25%
up to $2,000; Rate: 12.50%, 14.75%, 17.00%, 17.50%, 18.00%
Rates by Year: 2025 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
No additional details available.
No additional details available.
No additional details available.
5+ years of membership
No additional details available.
As Low As; Personal Loans
Rates by Year: 2025 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Equifax Score: 750+
Tier Level: 37 to 60 Months; Equifax Score: 750+; Debt Ratio Maximum: 48%
up to $6,000; Rate: 12.0%, 15.50%, 17.25%, 17.75%
No additional details available.
No additional details available.
Rates by Year: 2016-2024; Tier Level: Up to 3 Years (1-36M); Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Rates by Year: 2025 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
up to $8,000; Rate: 13.00%, 16.00%, 17.50%
As Low As
Equifax Score: 700-749
Tier Level: 13 to 36 Months; Equifax Score: 700-749; Debt Ratio Maximum: 48%
No additional details available.
As Low As
Rates by Year: 2016-2024; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
up to $12,000; Rate: 13.25%, 16.50%
No additional details available.
3-5 years of membership
No additional details available.
Rates by Year: 2016-2024; Tier Level: 6 Years (65-76M); Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Equifax Score: 660-699
Tier Level: 37 to 60 Months; Equifax Score: 700-749; Debt Ratio Maximum: 48%
Tier Level: Up to 12 Months; Equifax Score: 660-699; Debt Ratio Maximum: 48%
up to $16,000; Rate: 13.50%
No additional details available.
No additional details available.
No additional details available.
Rates by Year: 2016-2024; Tier Level: 7 Years (77-88M); Equifax Score: 600-659; Loan to Value Max.(MSRP/NADA Retail): 105%; Debt Ratio Maximum: 45%
Tier Level: A+; Equifax Score: 750+
As Low As
Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
As Low As
Intro rate expires: 12 months; Regular APR: 5%** for all purchases, balance transfers, and cash advances for 18 months after opening.
Magdalena Personal Loan Rates
As Low As; Promotion valid through 8/31/2026.
As Low As
As Low As
As Low As; Personal Loans
As Low As
No additional details available.
5+ years of membership
As Low As; Personal Loans
As Low As
No additional details available.
3-5 years of membership
Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
As Low As
Magdalena Debt Consolidation Loan Rates
Magdalena Signature Loan Rates
As Low As; Get Pre-approved today, we will lock in your rate for up to 60 days!
As Low As; Loyalty Plus & Digital Services Discount: 8.49%
As Low As; Some rules apply.
No additional details available.
As Low As; Personal Loans
As low as
No additional details available.
As low as
As low as
No additional details available.
Max APR: 14.75%; MemPerx Max Benefit: 10.25%
up to $2,000; Rate: 12.50%, 14.75%, 17.00%, 17.50%, 18.00%
No additional details available.
No additional details available.
No additional details available.
As Low As; Personal Loans
up to $6,000; Rate: 12.0%, 15.50%, 17.25%, 17.75%
No additional details available.
No additional details available.
up to $8,000; Rate: 13.00%, 16.00%, 17.50%
No additional details available.
up to $12,000; Rate: 13.25%, 16.50%
No additional details available.
No additional details available.
No additional details available.
up to $16,000; Rate: 13.50%
No additional details available.
Magdalena, NM Personal Loan Rate Trends
Compare local Magdalena, NM personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Mexico personal loan rates rose 0.440 points over the past 7 days to 11.929% APR.
New Mexico signature loan rates fell 0.528 points over the past 7 days to 11.404% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Magdalena, New Mexico personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Magdalena, New Mexico directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Magdalena, New Mexico. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in NM.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in New Mexico?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in New Mexico?
Are credit unions or banks better for personal loans in Magdalena, New Mexico?
What are the best personal loan rates in Magdalena, New Mexico?
- State Employees Credit Union: 3.99% (Promotional Rate Loan)
- Estacado Federal Credit Union FCU: 4.25% (2025 or Newer - Up to 3 Years Loan)
- Northern New Mexico School Employees Federal Credit Union: 4.25% (A (700 - 739) Loan)
- Nusenda Federal Credit Union: 4.49% (2023 and newer Loan)
- Otero Federal Credit Union: 5.99% (EcoFriendly Loan)
Magdalena, New Mexico Rates & Resources
Personal Loan Calculators
