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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.  .   

Relief. Reward. Release.

Feeling a little cooped up? Get some relief with an auto loan from State ECU. Reward yourself with $150 cash in your pocket and 120 days of no payments. Purchase or refinance your auto loan before August 31.

  • 120 Days No Payments2
  • $150 Cash3
  • Purchase or Refinance4
  • Meet or Beat Your Rate1

1Floor rate of 1.99% APR (Annual Percentage Rate) max term 80 months. 2The 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. 3Loan must be active for a minimum of 12 months. 4New money only, minimum of $10,000. Qualifications may apply, visit for more details. OAC. Apply in branch or online. Expires August 31, 2020.


  • 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

Dealer Vehicles
Get the facts before you buy. State ECU's Autosmart tool lets you browse local dealer inventory and see which new and used vehicles are priced fairly. With our price analysis, you can be confident that you're getting the best deal, or you can use that information to negotiate. 
See Dealer Vehicles
Repo Vehicles
Ready to get behind the wheel? Browse our inventory of repossessed vehicles and score outstanding bargains on used cars and trucks.
See Repo Vehicles


Ride off into the sunset.