Auto Loans

Our auto loans are just your speed. We specialize in low-cost auto loans for cars and trucks. Plus, qualified members can make no payments for up to 90 days!

• New Car/Truck/Van/SUV – We offer up to 110% financing, not to exceed manufacturer’s suggested retail price, plus sales tax, credit life and/or disability insurance and dealer warranty. New vehicles have great rates, with terms up to 72 months.

• Used Car/Truck/Van/SUV – We offer up to 110% financing of purchase price, not to exceed high retail value (with no options), plus sales tax, credit life and/or disability insurance and dealer warranty. Newer vehicles (vehicles that are three or less model years old) have great rates, with terms up to 72 months. Older vehicles (vehicles that are over three model years old) also have great low rates with terms available on select model years up to 60 months.

Get Pre–Approved

Save time and money with our convenient pre–approval process. Complete our online loan application. Once you’re approved, you’ll know the purchase price and monthly payment you can afford. Choose your auto and have the dealer provide you with a Purchase Order and a Dealer’s Report of Sale. Let us know when it’s convenient and we’ll have the loan documents ready for you to sign. It’s that simple.

Auto Loan Rates

Rates are accurate as of Thursday, December 8

Type APR*
Car 2.79% – 24.99%**
Truck 2.79% – 24.99%**
SUV 2.79% – 24.99%**
VAN 2.79% – 24.99%**

* APR = Annual Percentage Rate.
** Rates are determined by individual credit standing, collateral age, collateral value, and loan term.

We’ve saved Nevadans millions by refinancing higher rate loans with us!

Got an auto loan with another financial institution? If you do, chances are you’re paying too much. With great rates, you’ll save every month by refinancing with us. And you’ll probably improve the terms of your loan too! Plus, qualified members can make no payments for up to 90 days!

Check out the great features of our refinance auto loan program!

  • Up to 110% financing of another lender’s loan balance.
  • Terms up to 75 months for autos three years old or less.
  • Terms up to 60 months for autos over three years old.
  • Affordable auto insurance available through One Nevada Insurance Services, LLC.

It’s fast and easy!

* All rates are Annual Percentage Rates and are accurate as of date of publication. All loans subject to credit approval. Auto loan rates determined by individual credit standing, collateral age, collateral value and loan term. Other conditions and terms may apply; ask for details. Actual rate subject to credit approval, credit history, collateral value, and term of loan. Refinancing not available on existing ONCU auto loans. First loan payment deferred for up to 90 days with interest accruing on date of loan. Property/casualty insurance is underwritten by selected carriers of One Nevada Insurance Services, LLC, not NCUA insured.