Compare Bank & Credit Union Rates
Best auto loan rates in Las Cruces, NM
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–9 of 9 in Las Cruces, NM · median 5.30% APR
- 4.75%APRas low as · up to 17.99%with conditions
4.75% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Years 2025–Newer; 48–84 months. Advertised rate includes 0.25% Auto Pay discount.
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes Loyalty Plus & Digital Services / Online Application Discount
Auto loan score 81 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as · up to 17.99%
5.09% APR, up to 17.99%
Terms
Term 49 - 72 months. Quoted at 80% Loan to Value.
Auto loan score 81 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model years 2019-2026; starting at 5.25% APR
Auto loan score 77 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low as
Terms
Model year 2027–2023. 'As low as' rate.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - First Financial Credit UnionNew & Used Vehicles (Up to 5 Years Old) · up to 60 months
Credit union · 1 branch
5.49%APRas low asTerms
Maximum term 60 months; estimated monthly payment $382.00 on $20,000 loan.
Auto loan score 69 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.55%APRas low as
Terms
For 2023 and newer fuel-efficient vehicles (40 CMPG/CMPGe or greater).
Auto loan score 67 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Las Cruces, NM
9 banks and credit unions · checked Oct 16–22
- Typical
- 5.30%
- Top 10% up to
- 4.78%
- Banks, typical
- 5.49%
- Credit unions, typical
- 5.25%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Las Cruces, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Navy Federal Credit UnionCredit union · 1 branch
- First Financial Credit UnionCredit union · 1 branch