Auto Loans · El Paso, Texas
6 credit unions in El Paso report car loan rates to the NCUA. Rates range from 4.51% to 8.81%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
4.51%
Lowest New Car Rate
6.38%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | MOUNTAIN STAR ★ 4.2 · 38 reviews | 4.51% | 6.26% |
| 2 | ONE SOURCE ★ 3.2 · 64 reviews | 5.09% | 5.09% |
| 3 | GECU ★ 2.5 · 135 reviews | 5.89% | 5.89% |
| 4 | FIRSTLIGHT ★ 4.4 · 1,337 reviews | 6.00% | 5.00% |
| 5 | EVOLVE ★ 2.5 · 79 reviews | 7.95% | 7.95% |
| 6 | RAIZ ★ 4.2 · 477 reviews | 8.81% | 8.64% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FIRSTLIGHT ★ 4.4 · 1,337 reviews | 5.00% | 6.00% |
| 2 | ONE SOURCE ★ 3.2 · 64 reviews | 5.09% | 5.09% |
| 3 | GECU ★ 2.5 · 135 reviews | 5.89% | 5.89% |
| 4 | MOUNTAIN STAR ★ 4.2 · 38 reviews | 6.26% | 4.51% |
| 5 | EVOLVE ★ 2.5 · 79 reviews | 7.95% | 7.95% |
| 6 | RAIZ ★ 4.2 · 477 reviews | 8.64% | 8.81% |
A pre-approval from a El Paso credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in El Paso in the same window and take the best offer.
See member reviews, branch locations, and full rate details.