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New car, used car, family car, dream car; we’ve got an auto loan for you. At State ECU, our local, experienced staff is ready to help you along your car buying journey with local decisions, personalized support, and some of the best rates you’ll find in New Mexico. 

Driven by Adventure

Refinance your auto loan with State ECU today and let your next adventure begin with peace of mind. Whether you’re looking to lower your monthly payments, reduce your interest rate, or get cash back, our unbeatable offers will have you exploring New Mexico in style!

  • 90-days no payments2
  • $150 cash back3
  • Meet or beat your rate1

1)Floor rate of 5.95% APR (Annual Percentage Rate) max term 84 months. 2)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. 3)Loan must be active for a minimum of 12 months. New money only, minimum of $10,000. Qualifications may apply, visit for more details. On Approved Credit. Offer Expires August 31, 2024.



  • 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.