Loan Rates


Effective April 1st, 2019

San Juan Mountains Credit Union's method for determining loan rates is based on Risk Base Lending. The actual rate charged will be determined using this method at the time a loan application is completed. Please use these rates only as a guide when you are estimating loan payments. Call (970) 249-5319 or (800) 301-5129 for the most current rates.

New and Used Auto

Year Term Max 100%¹
A Credit Tier
Max 100%¹
B Credit Tier
Max 80%¹
C Credit Tier
Max 75%¹
D Credit Tier
2019-2018 66 Months 3.75% APR* 4.75% APR* 9.25% APR* 14.00% APR*
2019-2018 72 Months 4.75% APR* 5.75% APR* 10.25% APR* 15.00% APR*
2017-2015 66 Months 4.00% APR* 5.00% APR* 9.50% APR* 14.25% APR*
2017-2015 72 Months 5.00% APR* 6.00% APR* 10.50% APR* 15.25% APR*

Used Auto

Year Term Max 100%¹
A Credit Tier
Max 100%¹
B Credit Tier
Max 80%¹
C Credit Tier
Max 75%¹
D Credit Tier
2014 – Older 66 Months 4.75% APR* 5.75% APR* 10.25% APR* 15.00% APR*
2014 – Older 72 Months 5.75% APR* 6.75% APR* 11.25% APR* 16.00% APR*

¹Max calls include Tax, Title, License, D and H, and all Cancelable Back-End Product - will over allow for GAP only.
*APR is Annual Percentage Rate.


Motorcycles, ATVs, Snowmobiles, Personal Watercraft

Year Term Max 100%1
A Credit Tier
Max 90%1
B Credit Tier
Max 75%1 C and
70%1 Max D Credit Tier
Street Legal New and Used 66 Months 5.00% APR* 6.00% APR* 10.00% and 14.00% APR*
Street Legal New and Used 72-84 5.75% APR* 6.75% APR* 10.75% and 14.75% APR*
Street Legal New and Used 120-180 Months 6.50% APR* 7.50% APR* 11.50% and 15.50% APR*
Off Road New and Used 60 Months 5.75% APR* 6.75% APR* 10.75% and 14.75% APR*
Off Road New and Used 84 Months 6.50% APR* 7.50% APR* 11.50% and 15.50% APR*

¹Max calls include Tax, Title, License, DandH, and all Cancelable Back-End Product - will over allow for GAP only.
Other terms available depending on loan amount.

*APR is Annual Percentage Rate.


Personal Loans (Unsecured)

Credit Tier Max Loan Amount Rate
A $15,000 9.00% APR*
B $7,500 11.00% APR*
C $5,000 17.00% APR*
D $2,500 19.00% APR*

Unsecured loans are for a maximum term of 60 months. Minimum payment amount $50.00
*APR is Annual Percentage Rate.