Compare Bank & Credit Union Rates
Best auto loan rates in Nevada
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 26 in Nevada · median 5.49% APR
- 3.75%APRas low as · up to 15.25%
3.75% APR, up to 15.25%
Terms
Overall APR range for new and used auto loans.
Auto loan score 97 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
Rate as low as 4.24% APR. Up to 90 days of no payment for well-qualified borrowers on passenger cars and light trucks; interest accrues during payment deferral period. Subject to credit approval.
Auto loan score 93 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 16.75%
4.25% APR, up to 16.75%
Terms
Rates vary by credit score (4.25% for 720+ to 16.75% for <599). 25 basis points added for mileage 75,000+. 50 basis points loyalty discount available.
Auto loan score 92 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Greater Nevada Credit UnionNew or Used Auto Loan (Less Than 2 Years Old) · up to 84 months
Credit union · 13 branches
4.50%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate shown assumes excellent borrower credit history, financing a direct new or used auto loan less than two years old at a 36-month loan term, and includes a 0.25% rate discount for a loan-to-value below 90% available for well-qualified borrowers. Terms up to 84 months for well-qualified borrowers. 90-day no payment offer available based on approved credit (extends loan by 3 months, finance charges accrue on unpaid principal).
Auto loan score 89 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rates apply to 2018 or newer models if conditions are met (p9 states 2019 or newer models). Rates stated 'As low as' and based on creditworthiness.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Preferred rate for those with higher scores. All loans subject to credit approval. Actual rate received is based on credit qualifications. New loan money only; current Plus Credit Union auto loans are not eligible for refinancing. Variable rate information: the annual percentage rate may vary each calendar quarter based on the Prime Rate published in The Wall Street Journal.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Financial Horizons Credit UnionNew Vehicle Loan - 2024-2026 · up to 60 months
Credit union · 4 branches
4.75%APRas low as · up to 13.75%4.75% APR, up to 13.75%
Terms
Credit tier Level A through Level E; lowest APR requires Level A or B credit.
Auto loan score 80 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Auto (2025/2026)
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Fixed rate. Term 5 Years.
Auto loan score 79 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Advertised APR includes 0.25% loan rate discount with MyStyle Checking. Actual APR based on creditworthiness. 60 monthly payments of $18.98 per $1,000 borrowed.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rates as low as 5.49% APR. Terms up to 75 months (5 years). First payment deferred up to 90 days for qualified direct financing.
Auto loan score 73 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 14.49%
5.49% APR, up to 14.49%
Terms
Estimated payment per $1,000 is $19.10 - $23.53.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rates as low as 5.49% APR. Up to 90 days before first payment. Actual rate depends on credit score, term, and amount of loan. Flexible terms. Maximum APR will not exceed 20.74%.
Auto loan score 73 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Nevada
26 banks and credit unions · checked Oct 15–22
- Typical
- 5.49%
- Top 10% up to
- 4.27%
- Banks, typical
- 6.32%
- Credit unions, typical
- 5.12%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Nevada
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 18 branches
- Create Credit UnionCredit union · 6 branches
- CommunityAmerica Credit UnionCredit union · 1 branch