Compare Bank & Credit Union Rates
Best auto loan rates in Los Lunas, 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 1–5 of 5 in Los Lunas, NM · median 5.55% APR
- 2.99%APRas low asunusually low · being checked
Terms
New Vehicle (Cost over $15,000). Must add 1% to vehicles >100k miles. Must use J.D. Power retail on new 2019 models.
Auto loan score 87 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Model years 2026-2024. Preferred Member rate (0.25% discount): must be current on existing debt (no loans past due), have minimum par share ($5) in Main Share account, no accounts in negative, and no outstanding fees owed.
Auto loan score 81 · Carrot Score 91
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 - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires excellent and substantial credit, perfected lien, and selecting auto payment from a qualified checking account.
Auto loan score 64 · Carrot Score 82
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 Los Lunas, NM
5 banks and credit unions · checked Oct 15–22
- Typical
- 5.55%
- Top 10% up to
- 3.81%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.04%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Albuquerque, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Sandia Area Federal Credit UnionCredit union · 6 branches
- State Employees Credit UnionCredit union · 4 branches