Credit union · NCUA insured
Guadalupe Credit Union Auto Loan Rates
Top CarrotGuadalupe Credit Union auto loans start at 5.49% APR for a new vehicle and 9.75% for a used one. Rates checked October 22, 2026.
How Guadalupe Credit Union’s auto loan rates compare
Compared with banks and credit unions near Santa Fe, NM, where Guadalupe Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Guadalupe Credit Union
5.49%APR
- Terms
- up to 60 months
- Up to
- 17.74% APR
New & Used Auto Loans
Lowest rate
State Employees Credit Union
2.99%APR
- Terms
- up to 75 months
- Up to
- —
2nd-lowest rate
ZIA CU
4.50%APR
- Terms
- up to 60 months
- Up to
- —
Guadalupe Credit Union auto loan score
68
Auto loan score
Higher than 20% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed9.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Guadalupe Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Classic Autos & Autos Over 20 Years Old
For classic autos and autos over 20 years old. Borrowers with no credit qualify for rates under 579 and less paper class; no-score borrowers due to inactivity, with positive credit history, qualify for rates under 620-659 paper class.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.75%–23.25% | For classic autos and autos over 20 years old. APR ranges from 9.75% for 740+ credit score to 23.25% for 579 and less credit score. |
Sources (1)
- guadalupecu.org/loanrates · captured Oct 8, 2026
New & Used Auto Loans
Up to 125% financing on both new and used vehicles. Lending restrictions apply; subject to eligibility and credit approval. Borrowers with no credit qualify for rates under 579 and less paper class; no-score borrowers due to inactivity, with positive credit history, qualify for rates under 620-659 paper class.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49%–17.74% | APR ranges from 5.49% for 740+ credit score to 17.74% for 579 and less credit score. |
| up to 72 months | 5.74%–18.49% | APR ranges from 5.74% for 740+ credit score to 18.49% for 579 and less credit score. |
| up to 84 months | 6.24%–18.99% | APR ranges from 6.24% for 740+ credit score to 18.99% for 579 and less credit score. |
Sources (2)
- guadalupecu.org/autoloans · captured Sep 16, 2026
- guadalupecu.org/loanrates · captured Oct 8, 2026
Who can join Guadalupe Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals employed or residing in Santa Fe County, Mora County, Rio Arriba County, San Miguel County, Taos County, Colfax County, or Torrance County.
Military, government and schools
- Employees and family members of employees of the Health and Environment, Human Services, and Children Youth and Family Departments of the State of New Mexico.
Family and household
- Immediate family members of current GCU members.
Cost to join
- A $5.00 minimum balance is required for the account.
- A $1.00 one-time membership fee is required.
Membership information collected October 4, 2026.