Auto Loans

See a New Mexico sunset from a new vantage point.

There’s nothing like cruising the I-25 corridor in the car or truck of your choice. We’ll get you on the road in the vehicle that you really want, at a rate you can afford. Borrow up to 100% of your vehicle’s value, and get pre-approved so you’ll have all the leverage you need at the dealership.  



  • Buy new or used
  • Borrow up to 100% of vehicle’s value
  • Save with a competitive rate
  • Variety of terms available (up to 84 months)
  • Pre-approval available
  • Affordable payments
  • Convenient automatic payment options
  • No Prepayment Penalty
  • No processing fees
  • Easy application process
  • Friendly and convenient service
  • Decisions made here in New Mexico

Enjoy extra savings with our Membership Benefits:

  • Up to 0.70% off of your loan rate
  • 0.25% rate discount for auto pay
  • 0.10% rate discount with Kasasa Checking Account
  • 0.10% rate discount on applicable loans
  • GAP protection available
  • Extended warranties available

Summer Auto Loan Promotion

  • 90 Day No Payments*
  • $150 Cash**
  • Meet or Beat Your Rate
  • Purchase or Refinance
  • Entered to Win $500***
New money only, minimum of $10,000. Floor rate of 2.49% APR (Annual Percentage Rate).* The first month’s payment may reflect a smaller or zero principal reduction due to the number of days of interest accrued from the closing date to the first payment date. **Loan must be active for a minimum of 12 months. OAC. Offer expires August 31, 2017.  Limit one entry per approved and funded loan. State ECU employees are not eligible to win. ***When an auto loan is approved and funded within the promotion period(May 1, 2017 - August 31, 2107) the primary borrower is automatically entered into a monthly drawing to win $500 through the entirety of the promotion or until they win. State ECU will recognize a total of four(4) winners, one(1) for each month of the promotion period.
Ride off into the sunset.