Auto Loan Rates in Gerlach, Nevada (NV) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Gerlach, Nevada. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Gerlach, Nevada include Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.50%, Churchill County Federal Credit UnionChurchill County Federal Credit UnionA+5.0 ★Texas Ratio: 3.02% offering Vehicle Loans at 3.75%, Financial Horizons Credit UnionFinancial Horizons Credit UnionA+5.0 ★Texas Ratio: 0.26% offering New Vehicle Loan - 2024-2026 A at 4.25%, Great Basin Federal Credit UnionGreat Basin Federal Credit UnionA5.0 ★Texas Ratio: 8.76% offering Auto Loans at 4.25%. Auto loan rates as of May 6, 2026 according to verified data from MonitorBankRates.
Gerlach borrowers have access to 12 lenders serving the Nevada area, with auto loan rates as low as 3.24% APR from Baxter Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Gerlach, Nevada. Auto Loan Rates Last Updated and Verified: May 6, 2026
Compare Auto Loan Rates Today in Gerlach, Nevada & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Churchill County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Vehicle Loans
3.75%
24-84 Months
▼
APR3.75%
Term24-84 Months
Last UpdatedApr 26, 2026
Details
As low as rate is on approved credit. Terms may apply.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 A
4.25%
24-Month
▼
APR4.25%
Term24-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 B
4.25%
24-Month
▼
APR4.25%
Term24-Month
Last UpdatedMay 2, 2026
Details
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Auto Loans
4.25%
60 Month
▼
APR4.25%
Term60 Month
Last UpdatedMay 6, 2026
Details
As Low As; 60 Month Term
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older A
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older B
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 A
4.75%
60-Month
▼
APR4.75%
Term60-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 B
4.75%
60-Month
▼
APR4.75%
Term60-Month
Last UpdatedMay 2, 2026
Details
Boulder Dam Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Auto (2025/2026)
4.99%
Up to 96 Months
▼
APR4.99%
TermUp to 96 Months
Last UpdatedApr 19, 2026
Details
Boulder Dam Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Auto (2025 or older)
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As; Model Year New - 2025
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 A
5.00%
72-Month
▼
APR5.00%
Term72-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 B
5.00%
72-Month
▼
APR5.00%
Term72-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older A
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older B
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 or Newer
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Auto Loan
5.24%
60-month
▼
APR5.24%
Term60-month
Last UpdatedMay 2, 2026
Details
As Low As; New & used car loans
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 5, 2026
Details
As Low As; Model Year New - 2025
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older A
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older B
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks
5.34%
36 Months
▼
APR5.34%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As; Model Year 2024 - 2021
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks
5.44%
75 Months
▼
APR5.44%
Term75 Months
Last UpdatedMay 5, 2026
Details
As Low As; Model Year 2024 - 2021
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 A
5.50%
84-Month
▼
APR5.50%
Term84-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 B
5.50%
84-Month
▼
APR5.50%
Term84-Month
Last UpdatedMay 2, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks
5.54%
36 Months
▼
APR5.54%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As; Model Year 2020 - 2016
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks
5.64%
75 Months
▼
APR5.64%
Term75 Months
Last UpdatedMay 5, 2026
Details
As Low As; Model Year 2020 - 2016
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older A
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older B
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 2, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 5, 2026
Details
As Low As; Model Year 2024 - 2021
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMay 2, 2026
Details
As Low As; Fixed
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 5, 2026
Details
As Low As; Model Year 2020 - 2016
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 C
6.50%
24-Month
▼
APR6.50%
Term24-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 C
6.75%
36-Month
▼
APR6.75%
Term36-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 C
7.00%
48-Month
▼
APR7.00%
Term48-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older C
7.00%
24 Months
▼
APR7.00%
Term24 Months
Last UpdatedMay 2, 2026
Details
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Classic Cars
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Rates apply to 2015 or newer models if conditions are met.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older C
7.25%
36 Months
▼
APR7.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 C
7.50%
60-Month
▼
APR7.50%
Term60-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older C
7.50%
48 Months
▼
APR7.50%
Term48 Months
Last UpdatedMay 2, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMay 2, 2026
Details
$30,000; As Low As; Fixed
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 C
7.75%
72-Month
▼
APR7.75%
Term72-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older C
8.25%
60 Months
▼
APR8.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older C
8.50%
72 Months
▼
APR8.50%
Term72 Months
Last UpdatedMay 2, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 D
11.00%
24-Month
▼
APR11.00%
Term24-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 D
11.25%
36-Month
▼
APR11.25%
Term36-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 D
11.50%
48-Month
▼
APR11.50%
Term48-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 D
12.00%
60-Month
▼
APR12.00%
Term60-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 D
12.25%
72-Month
▼
APR12.25%
Term72-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older D
12.25%
24 Months
▼
APR12.25%
Term24 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older D
12.50%
36 Months
▼
APR12.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 E
12.75%
24-Month
▼
APR12.75%
Term24-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older D
12.75%
48 Months
▼
APR12.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 E
13.00%
36-Month
▼
APR13.00%
Term36-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 E
13.25%
48-Month
▼
APR13.25%
Term48-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older D
13.25%
60 Months
▼
APR13.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 E
13.75%
60-Month
▼
APR13.75%
Term60-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older D
13.75%
72 Months
▼
APR13.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older E
13.75%
24 Months
▼
APR13.75%
Term24 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 E
14.00%
72-Month
▼
APR14.00%
Term72-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older E
14.00%
36 Months
▼
APR14.00%
Term36 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older E
14.25%
48 Months
▼
APR14.25%
Term48 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older E
14.75%
60 Months
▼
APR14.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older E
15.00%
72 Months
▼
APR15.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 A
4.25%
24-Month
▼
APR4.25%
Term24-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 B
4.25%
24-Month
▼
APR4.25%
Term24-Month
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 A
4.75%
60-Month
▼
APR4.75%
Term60-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 B
4.75%
60-Month
▼
APR4.75%
Term60-Month
Last UpdatedMay 2, 2026
Details
Boulder Dam Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Auto (2025/2026)
4.99%
Up to 96 Months
▼
APR4.99%
TermUp to 96 Months
Last UpdatedApr 19, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 A
5.00%
72-Month
▼
APR5.00%
Term72-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 B
5.00%
72-Month
▼
APR5.00%
Term72-Month
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 or Newer
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 A
5.50%
84-Month
▼
APR5.50%
Term84-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 B
5.50%
84-Month
▼
APR5.50%
Term84-Month
Last UpdatedMay 2, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 C
6.50%
24-Month
▼
APR6.50%
Term24-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 C
6.75%
36-Month
▼
APR6.75%
Term36-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 C
7.00%
48-Month
▼
APR7.00%
Term48-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 C
7.50%
60-Month
▼
APR7.50%
Term60-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 C
7.75%
72-Month
▼
APR7.75%
Term72-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 D
11.00%
24-Month
▼
APR11.00%
Term24-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 D
11.25%
36-Month
▼
APR11.25%
Term36-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 D
11.50%
48-Month
▼
APR11.50%
Term48-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 D
12.00%
60-Month
▼
APR12.00%
Term60-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 D
12.25%
72-Month
▼
APR12.25%
Term72-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 E
12.75%
24-Month
▼
APR12.75%
Term24-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 E
13.00%
36-Month
▼
APR13.00%
Term36-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 E
13.25%
48-Month
▼
APR13.25%
Term48-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 E
13.75%
60-Month
▼
APR13.75%
Term60-Month
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan - 2024-2026 E
14.00%
72-Month
▼
APR14.00%
Term72-Month
Last UpdatedMay 2, 2026
Details
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MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older A
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older B
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 or Newer**
Boulder Dam Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Auto (2025 or older)
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older A
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older B
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 or Newer
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older A
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older B
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older A
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older B
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older C
7.00%
24 Months
▼
APR7.00%
Term24 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older C
7.25%
36 Months
▼
APR7.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older C
7.50%
48 Months
▼
APR7.50%
Term48 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older C
8.25%
60 Months
▼
APR8.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older C
8.50%
72 Months
▼
APR8.50%
Term72 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older D
12.25%
24 Months
▼
APR12.25%
Term24 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older D
12.50%
36 Months
▼
APR12.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older D
12.75%
48 Months
▼
APR12.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older D
13.25%
60 Months
▼
APR13.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older D
13.75%
72 Months
▼
APR13.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older E
13.75%
24 Months
▼
APR13.75%
Term24 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older E
14.00%
36 Months
▼
APR14.00%
Term36 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older E
14.25%
48 Months
▼
APR14.25%
Term48 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older E
14.75%
60 Months
▼
APR14.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
Used Vehicle Loan - 2023 & Older E
15.00%
72 Months
▼
APR15.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
Gerlach, NV Auto Loan Rate Trends
Compare local Gerlach, NV auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — NV Avg
8.118%
▲ 0.185 vs 7 days ago
Nevada new auto rates rose 0.185 points over the past 7 days to 8.118% APR.
Used Auto Loan — NV Avg
7.210%
Unchanged vs 7 days ago
Nevada used auto loan rates currently average 7.210% APR.
As of May 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Gerlach, Nevada
How does my credit score affect my car loan rate in Nevada?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Gerlach, Nevada with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Nevada *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Gerlach, Nevada typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Gerlach, Nevada?
Based on our current data, some of the lowest auto loan rates available in Gerlach, Nevada include:
- Baxter Credit Union: 3.24% (Auto Loans)
- United Federal Credit Union: 3.50% (Fixed Rate New & Used Auto Loans)
- Churchill County Federal Credit Union: 3.75% (Vehicle Loans)
- Financial Horizons Credit Union: 4.25% (New Vehicle Loan - 2024-2026 A)
- Great Basin Federal Credit Union: 4.25% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Gerlach, Nevada. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 6, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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