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 2013 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.

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

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

Used Auto Loan Comparisons

Compare Nusenda Credit Union used auto loans to other institutions. 

Financial institution


Down payment, fee required


Car-buying tools


Minimum loan amount


Credit Union

From 1.99%


Up to 84 months


Auto calculators

Credit Protector


Earn Your Return-eligible

Preferred dealers


Wells Fargo

From 3.64%

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


Bank of America

From 2.59%

Case-by-case basis. Car age and mileage affect loan.

Up to 60 months

Calculators and buying tools

Preferred rewards; dealer network


Bank of Albuquerque

From 2.98%

Loans not offered for cars made before 2007.

72 months

Financial tips


Bank of the West

None listed other than for used RVs

Fees can range up to $150. Spouse’s data required.

72 months


* Fees may vary, and additional fees may apply. Fees as of July 2015.


You’ve come to the right place to get the information you need to manage day-to-day auto loan situations.


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Nusenda Credit Union. The Power of WE®.

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