Fuel-Efficient Auto Program

Nusenda Credit Union is passionate about reducing environmental impact and protecting New Mexico’s unique beauty. Our Fuel-Efficient Auto Program offers lower rates to help make financing hybrid, electric, alternative fuel, or high fuel economy rated vehicles simple. We offer a 0.25% rate reduction on published rates for vehicles with a combined fuel efficiency rating of 40 CMPG/CMPGe or greater.

Search our Preferred Dealers

You rely on us to deliver a smart car buying experience. That's why we've partnered with local Preferred Dealers to provide you confidence in your car buying journey.

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Manage your loan with ease 

We use the latest technology so you can make your payment on your computer or tablet, or on your mobile device while you’re on the go.

Estimate your monthly payment

Looking for an estimated payment for your new auto loan? This calculator will estimate your monthly payment.

Fuel-Efficient Rates

APR as low as 5.25%*

  • 0.25% rate reduction on published rates for vehicles with a combined fuel efficiency rating of 40 CMPG/CMPGe or greater
  • Apply in minutes online, or call or visit a branch
  • Enjoy competitive financing and flexible payment options
  • No down payment required

* APR determined when the application is processed, based on the applicant's credit history.

Explore Fuel Efficient Vehicles Apply Now

Enjoy low-rate financing and flexible payment options:

Fuel-Efficient Auto Loan Rates

Fuel-Efficient Auto Loan Rates

Rates effective as of 1/2/2025
TypeTermAnnual Percentage Rate*
2022 and newer36 monthsAs low as 5.25%
2022 and newer48 monthsAs low as 5.40%
2022 and newer65 monthsAs low as 5.80%
2022 and newer75 monthsAs low as 6.00%
2022 and newer84 monthsAs low as 6.50%

*Rates in this table reflect the 0.25% fuel-efficient auto loan discount.


APR determined when the application is processed, based on the applicant's credit history.

For example, you could pay as little as $364 per month for a $20,000 loan on approved credit: 6.30% Annual Percentage Rate for 65 months. APR effective 10/02/24; subject to change. Even lower rates are available for 36-month and 48-month terms.

Your smart choice for stress-free car buying

Your credit union has partnered with AutoSMART to provide a website that offers you the resources and information you need to make an informed purchase. You can find Preferred Dealers closest to you, search their inventory, get the latest reviews, and more!

  • Search inventory online
  • Build your own car
  • Customize your options
  • Estimate your trade-in value
  • Get pre-approved