Auto Loan Rates in Las Vegas, Nevada (NV) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Las Vegas, Nevada. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Las Vegas, Nevada include Baxter Credit UnionBaxter Credit Union2716 N Tenaya Way, Las Vegas, NV, 89128A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, United Federal Credit UnionUnited Federal Credit Union2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123A+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.50%, Mountain America Federal Credit UnionMountain America Federal Credit Union7280 W Lake Mead Blvd, Las Vegas, NV, 89128 8301A5.0 ★Texas Ratio: 11.38% offering New & used car loans at 4.99%, America First Federal Credit UnionAmerica First Federal Credit Union2699 N Tenaya Way, Las Vegas, NV, 89128A5.0 ★Texas Ratio: 8.12% offering Auto Loan at 4.99%, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union7985 W Sahara Ave Ste 101, Las Vegas, NV, 89117B4.4 ★Texas Ratio: 21.76% offering New & Used Vehicles2 at 5.74%. Auto loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Las Vegas has 6 local institutions in our database, with auto loan rates as low as 3.24% APR from Baxter Credit Union at 2716 N Tenaya Way, Las Vegas, NV, 89128. 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 Las Vegas, Nevada. Auto Loan Rates Last Updated and Verified: May 10, 2026
Compare Auto Loan Rates Today in Las Vegas, 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%
2716 N Tenaya Way, Las Vegas, NV, 89128
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%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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%
2716 N Tenaya Way, Las Vegas, NV, 89128
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%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2716 N Tenaya Way, Las Vegas, NV, 89128
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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**
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2716 N Tenaya Way, Las Vegas, NV, 89128
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
7280 W Lake Mead Blvd, Las Vegas, NV, 89128 8301
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
2699 N Tenaya Way, Las Vegas, NV, 89128
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 10, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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%
7280 W Lake Mead Blvd, Las Vegas, NV, 89128 8301
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
2699 N Tenaya Way, Las Vegas, NV, 89128
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
2699 N Tenaya Way, Las Vegas, NV, 89128
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMay 10, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
7985 W Sahara Ave Ste 101, Las Vegas, NV, 89117
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2716 N Tenaya Way, Las Vegas, NV, 89128
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
2699 N Tenaya Way, Las Vegas, NV, 89128
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMay 10, 2026
Details
As Low As
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
8360 S Durango Dr Ste 190, Las Vegas, NV, 89113 4444
Classic Cars
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
2699 N Tenaya Way, Las Vegas, NV, 89128
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMay 10, 2026
Details
$30,000; As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
7985 W Sahara Ave Ste 101, Las Vegas, NV, 89117
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 7, 2026
Details
Churchill County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Vehicle Loans
3.75%
24-84
▼
APR3.75%
Term24-84
Last UpdatedMay 7, 2026
Details
As Low As; Loan Term: 24-84 Months
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
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
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
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
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
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
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
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
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
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
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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%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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**
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
7280 W Lake Mead Blvd, Las Vegas, NV, 89128 8301
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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%
7280 W Lake Mead Blvd, Las Vegas, NV, 89128 8301
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
7985 W Sahara Ave Ste 101, Las Vegas, NV, 89117
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
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
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
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
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%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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**
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
7280 W Lake Mead Blvd, Las Vegas, NV, 89128 8301
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
2140 E Pebble Rd Ste 120 130, Las Vegas, NV, 89123
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
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
7985 W Sahara Ave Ste 101, Las Vegas, NV, 89117
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
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
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
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
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
Las Vegas, NV Auto Loan Rate Trends
Compare local Las Vegas, 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%
Unchanged vs 7 days ago
Nevada new auto loan rates currently average 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 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Las Vegas, 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 Las Vegas, 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 Las Vegas, 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 Las Vegas, Nevada?
Based on our current data, some of the lowest auto loan rates available in Las Vegas, Nevada include:
- Baxter Credit Union: 3.24% (Auto Loans)
- United Federal Credit Union: 3.50% (Fixed Rate New & Used Auto Loans)
- Mountain America Federal Credit Union: 4.99% (New & used car loans)
- America First Federal Credit Union: 4.99% (Auto Loan)
- UNIFY Financial Federal Credit Union: 5.74% (New & Used Vehicles2)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Las Vegas, Nevada. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 10, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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