Used Auto Loans

Nusenda Credit Union used auto loans offer some of the lowest rates you’ll find depending on the model year of the vehicle you want to purchase. All of our used auto loans have the option of no down payment and 100% financing.

For 2016 models and newer, you can save even more money with 84-month terms and affordable monthly payments. Older models offer from 48 months to 72 months for longer terms and lower payments. You may be eligible to take up to 90 days to make your first payment!

Need help finding a reliable used vehicle to purchase? Shop online and compare vehicles using the AutoSMART app, or visit our Preferred Dealers for the best and most affordable purchasing experience.

Apply Now!

Call us at 505-889-7755 (800-347-2838 outside the Albuquerque area) or make an appointment at a branch near you.

View All Auto Loans

Used Auto Loan Benefits

Apply in minutes online, or call or visit a branch
Enjoy low-rate financing and flexible payment options
No down payment required
No application fee

Terms available up to 84 months
Access your loan information easily through your Mobile App or Internet Banking
Complimentary fraud resolution services
Earn Your Return eligibility

Used Auto Loan Comparisons

Compare Nusenda Credit Union used auto loans to other institutions.

Financial institution	Rates	Down payment, fee required	Terms	Car-buying tools	Benefits	Minimum loan amount
Nusenda Credit Union	From 2.99%	None	Up to 84 months	AutoSMART Auto calculators	Credit Protector GAP Earn Your Return-eligible Preferred dealers	$500
Wells Fargo	From 5.26%	None, but must have checking account	72 months, or 48 months for vehicles 7 years or older	Vehicle Financing 101 on website	Rates vary depending on car’s source	$5,000
Bank of America	From 4.09%	Case-by-case basis. Car age and mileage affect loan.	Up to 60 months	Calculators and buying tools	Preferred rewards; dealer network	$5,000
Bank of Albuquerque	From 4.74%	Loans not offered for cars made before 2007.	72 months	Financial tips		$35,000
Bank of the West	None listed other than for used RVs	Fees can range up to $150. Spouse’s data required.	72 months			$2,000