Auto Loans · Cheyenne, Wyoming
6 credit unions in Cheyenne report car loan rates to the NCUA. Rates range from 3.99% to 6.89%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.53%
City Average Rate
6 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | FIRST EDUCATION ★ 4.2 · 53 reviews | 3.99% | 5.49% |
| 2 | MERIDIAN TRUST ★ 3.9 · 67 reviews | 4.39% | 6.28% |
| 3 | WYHY ★ 3.5 · 131 reviews | 5.74% | 5.74% |
| 4 | CHEYENNE-LARAMIE COUNTY EMPLOYEES ★ 4.4 · 10 reviews | 5.91% | 6.56% |
| 5 | BLUE ★ 3.7 · 114 reviews | 6.24% | 5.99% |
| 6 | WESTERN VISTA ★ 2.5 · 27 reviews | 6.89% | 7.57% |
6 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | FIRST EDUCATION ★ 4.2 · 53 reviews | 5.49% | 3.99% |
| 2 | WYHY ★ 3.5 · 131 reviews | 5.74% | 5.74% |
| 3 | BLUE ★ 3.7 · 114 reviews | 5.99% | 6.24% |
| 4 | MERIDIAN TRUST ★ 3.9 · 67 reviews | 6.28% | 4.39% |
| 5 | CHEYENNE-LARAMIE COUNTY EMPLOYEES ★ 4.4 · 10 reviews | 6.56% | 5.91% |
| 6 | WESTERN VISTA ★ 2.5 · 27 reviews | 7.57% | 6.89% |
A pre-approval from a Cheyenne 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 Cheyenne in the same window and take the best offer.
See member reviews, branch locations, and full rate details.