Credit union · NCUA insured
Nusenda Credit Union Auto Loan Rates
Nusenda Credit Union auto loans start at 5.55% APR for a new vehicle and 6.25% for a used one. Rates checked October 22, 2026.
How Nusenda Credit Union’s auto loan rates compare
Compared with banks and credit unions near Albuquerque, NM, where Nusenda Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Nusenda Credit Union
5.55%APR
- Terms
- up to 65 months
Fuel-Efficient Auto Loans
Lowest rate
State Employees Credit Union
2.99%APR
- Terms
- up to 75 months
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Nusenda Credit Union auto loan score
67
Auto loan score
Higher than 19% of U.S. banks and credit unions
- New vehicleNew5.55%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Nusenda 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.
Fuel-Efficient Auto Loans
Offers a 0.25% rate reduction on published rates for vehicles with a combined fuel efficiency rating of 40 CMPG/CMPGe or greater (hybrid, electric, alternative fuel, or high fuel economy rated vehicles). No down payment required. Vehicles with over 100,000 miles automatically priced as 2022–1994. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | For 2023 and newer fuel-efficient vehicles (40 CMPG/CMPGe or greater). |
| up to 48 months | 5.15% | For 2023 and newer fuel-efficient vehicles (40 CMPG/CMPGe or greater). |
| up to 65 months | 5.55% | For 2023 and newer fuel-efficient vehicles (40 CMPG/CMPGe or greater). |
| up to 75 months | 5.75% | For 2023 and newer fuel-efficient vehicles (40 CMPG/CMPGe or greater). |
| up to 84 months | 6.25% | For 2023 and newer fuel-efficient vehicles (40 CMPG/CMPGe or greater). |
| up to 90 months | 6.50% | For 2023 and newer fuel-efficient vehicles (40 CMPG/CMPGe or greater). |
Sources (1)
- nusenda.org/loans-credit-cards…l-efficient-auto-program · captured Oct 3, 2026
New Auto Loans
No application fee. No down payment required. Subject to credit approval. Financing terms available up to 90 months. Qualified buyers may take up to 90 days to make first payment. Minimum loan amount of $20,000 applies for 76 to 90 month terms. Vehicles with over 100,000 miles priced as 2022–1994.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | For 2023 and newer vehicles. Qualified buyers may take up to 90 days to make first payment. |
| up to 48 months | 5.40% | For 2023 and newer vehicles. Qualified buyers may take up to 90 days to make first payment. |
| up to 65 months | 5.80% | For 2023 and newer vehicles. Qualified buyers may take up to 90 days to make first payment. |
| up to 75 months | 6.00% | For 2023 and newer vehicles. Qualified buyers may take up to 90 days to make first payment. |
| up to 84 months | 6.50% | For 2023 and newer vehicles. Requires $20,000 minimum for 76-90 month terms. Qualified buyers may take up to 90 days to make first payment. |
| up to 90 months | 6.75% | For 2023 and newer vehicles. Requires $20,000 minimum for 76-90 month terms. Qualified buyers may take up to 90 days to make first payment. |
Sources (1)
- nusenda.org/loans-credit-cards/auto-loans/new-auto-loans · captured Oct 3, 2026
Used Auto Loans
No down payment option based on creditworthiness. Subject to credit approval. Terms up to 90 months. Qualified buyers may take up to 90 days to make first payment. Minimum $15,000 for used vehicles for 61-90 month terms. Vehicles with over 100,000 miles automatically priced as 2022–1994.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.25% | For 2022–1994 model years. Qualified buyers may take up to 90 days to make first payment. |
| 61–75 months | 6.75% | For 2022–1994 model years. Requires $15,000 minimum loan amount for 61-90 month terms. Qualified buyers may take up to 90 days to make first payment. |
| 76–90 months | 7.75% | For 2022–1994 model years. Requires $15,000 minimum loan amount for 61-90 month terms. Qualified buyers may take up to 90 days to make first payment. |
Sources (2)
- nusenda.org/loans-credit-cards/auto-loans/new-auto-loans
- nusenda.org/loans-credit-cards…to-loans/used-auto-loans
All captured Oct 3, 2026
Who can join Nusenda Credit Union
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