Auto Loans · Denver, Colorado
5 credit unions in Denver report car loan rates to the NCUA. Rates range from 5.25% to 14.35%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
5.25%
Lowest New Car Rate
7.89%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | DENVER FIRE DEPARTMENT ★ 3.3 · 26 reviews | 5.25% | 5.25% |
| 2 | AFFIDIAN ★ 4.2 · 124 reviews | 5.34% | 6.06% |
| 3 | WESTERRA ★ 4.3 · 553 reviews | 5.74% | 5.74% |
| 4 | DENVER COMMUNITY CU D.B.A. ZING CU ★ 4.0 · 519 reviews | 8.79% | 8.79% |
| 5 | CREDIT UNION OF COLORADO, A ★ 3.6 · 27 reviews | 14.35% | 9.37% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | DENVER FIRE DEPARTMENT ★ 3.3 · 26 reviews | 5.25% | 5.25% |
| 2 | WESTERRA ★ 4.3 · 553 reviews | 5.74% | 5.74% |
| 3 | AFFIDIAN ★ 4.2 · 124 reviews | 6.06% | 5.34% |
| 4 | DENVER COMMUNITY CU D.B.A. ZING CU ★ 4.0 · 519 reviews | 8.79% | 8.79% |
| 5 | CREDIT UNION OF COLORADO, A ★ 3.6 · 27 reviews | 9.37% | 14.35% |
A pre-approval from a Denver 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 Denver in the same window and take the best offer.
See member reviews, branch locations, and full rate details.