Auto loan rates as low as 5.10% APR1 + 90 days with no payments2
New (or new to you) car or truck? Start your journey today with GNCU, your local not-for-profit credit union proudly serving Nevada since 1949. Explore several different loan options with flexible terms, and special offers could be available to you!
Up to 100% financing for new/used cars and trucks, with flexible terms to fit your budget.
Payment Saver Auto Loan
Save up to 40% on monthly payments compared to a conventional loan.
First-Time Buyer Auto Loan
A special auto loan designed for those with no credit history.
Auto Loan Refinancing
Explore lowering your rate and monthly payments, or tapping into your car’s equity.
Auto Loan Rates
Product
APR1 AS LOW AS
Product
New or Used Auto Loan (Less Than 2 Years Old)
APR1 AS LOW AS
5.10%
Product
Used Auto Loan (2 – 6 Years Old)
APR1 AS LOW AS
5.20%
Product
Used Auto Loan (Greater Than 6 Years Old)
APR1 AS LOW AS
5.90%
Auto Loan Application Process
1. Determine Your Needs
What kind of vehicle are you shopping for? New or used? Make and model? Knowing how much money you need to purchase your car of choice will help point you in the right direction.
2. Compare Loan Types
At Greater Nevada, we offer a few different auto loans to help put borrowers on the road to financial success. Compare the details here or contact us for more in-depth information.
3. Determine Your Needs
You’ll need a few important documents for your application. To prepare, gather things like personal identification, your credit history, and forms of collateral, to name a few.
4. Apply for a Car Loan
Putting your application together is simple. Apply online or over the phone through our lending hotline. We’ll call attention to important things like minimum loan amount, repayment terms, and other important details.
I had been thinking about switching to GNCU and finally did that back in April. I am so happy to have conveniently located ATMs, friendly & helpful associates and GREAT CD rates right now. I am glad I finally made the decision to change to GNCU.
– Jackie S.
From the start, Greater Nevada has friendly and attentive staff [who] are knowledgeable. I appreciate all of you serving our local community and with a willingness to make banking transactions easier. Thank you!
– Jimmie O.
The Fernley branch of GNCU is my hometown banking institution as I have known the manager and several of the tellers and their families for many years. Their knowledge, skills, and ability to serve our community is outstanding!
Payment/Debt Protection helps cover your loan payments or balance in the event of involuntary unemployment, disability, or death. It’s a simple way to ensure your finances stay on track during difficult times.
Guaranteed Asset Protection (GAP)
When your vehicle is totaled or stolen, the last thing you want is to be left with a large loan balance you can’t cover. GAP helps bridge that financial gap, and may cover the difference between your loan balance and what your insurance company will pay.
Mechanical Breakdown Protection (MBP)
Unexpected breakdowns can be costly and stressful. With MBP, you can drive with peace of mind, knowing you may be covered against unforeseen repairs.
You Get More
When you become a member of GNCU, you’re an owner as well, which means that you get all the benefits of lower fees, higher savings rates, and attractive loan rates that come from us working together.
You Have a Voice
We are a democratic cooperative, so every member has a vote. You help elect the Board of Directors (oh, and they’re members too—just like you) which means you have a say in what happens.
Say (GN)CU Later to Traditional Banks
Becoming a member of GNCU is more than getting your name printed on a piece of plastic. Here, you’re no longer a cog in the wheel of big banking. You’re part of something more. Something Greater.
You’re Investing in Your Community
GNCU is made up of members who care about the future of their communities. We are invested in making a long-term positive impact by bringing vital services to rural communities and helping small businesses weather hard times.
You Have the Tools
GNCU offers the empowering financial guidance every Nevadan needs to get where they want to go (whether that’s a plot of land in Reno or a mountain biking trail in Tahoe).
1APR (Annual Percentage Rate) effective September 11, 2024. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assumes excellent borrower credit history financing, and includes a 0.25% rate discount for Loan to Value below 90% available for well-qualified borrowers. Not all applicants will qualify for the lowest rate. Payment example: A new auto loan of $20,000 financed at 5.10% APR for 36 months equals a payment of $600.32 per month.
290-day no pay offer is based on approved credit. Offer is available for auto loans with application submitted by June 30, 2025. Payment Saver Auto Loans are not eligible. If accepted, it will extend your loan by three (3) months, and finance charges will accrue on unpaid principal. Offer is subject to change or cancellation without notice except as required by law.
