Auto Loan Rates in Sparks, 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 Sparks, Nevada. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Sparks, Nevada include United Federal Credit UnionUnited Federal Credit Union1430 E Prater Way, Sparks, NV, 89434A+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.50%, Great Basin Federal Credit UnionGreat Basin Federal Credit Union381 Los Altos Pkwy, Sparks, NV, 89436 7731A5.0 ★Texas Ratio: 8.76% offering Auto Loans at 4.25%, Mountain America Federal Credit UnionMountain America Federal Credit Union700 Los Altos Pkwy, Sparks, NV, 89436 7753A5.0 ★Texas Ratio: 11.38% offering New & used car loans at 4.99%, America First Federal Credit UnionAmerica First Federal Credit Union1440 E Lincoln Way, Sparks, NV, 89434A5.0 ★Texas Ratio: 8.12% offering Auto Loan at 4.99%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Sparks has 4 local institutions in our database, with auto loan rates as low as 3.50% APR from United Federal Credit Union at 1430 E Prater Way, Sparks, NV, 89434. 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 Sparks, Nevada. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Sparks, Nevada & Surrounding Area
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%
1430 E Prater Way, Sparks, NV, 89434
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%
1430 E Prater Way, Sparks, NV, 89434
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%
1430 E Prater Way, Sparks, NV, 89434
Fixed Rate New & Used Auto Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; All Years**
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Auto Loans
4.25%
60 Month
▼
APR4.25%
Term60 Month
Last UpdatedMay 6, 2026
Details
As Low As; 60 Month Term
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1430 E Prater Way, Sparks, NV, 89434
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%
700 Los Altos Pkwy, Sparks, NV, 89436 7753
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%
1440 E Lincoln Way, Sparks, NV, 89434
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%
1430 E Prater Way, Sparks, NV, 89434
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%
700 Los Altos Pkwy, Sparks, NV, 89436 7753
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%
1440 E Lincoln Way, Sparks, NV, 89434
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%
1440 E Lincoln Way, Sparks, NV, 89434
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1440 E Lincoln Way, Sparks, NV, 89434
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedMay 10, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
1440 E Lincoln Way, Sparks, NV, 89434
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
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 12, 2026
Details
As Low As; APR - 2026 & Newer
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
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 12, 2026
Details
As Low As; APR - 2026 & Newer
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 12, 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 12, 2026
Details
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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
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
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 12, 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 12, 2026
Details
As Low As
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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
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 12, 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 12, 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 12, 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 12, 2026
Details
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
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 12, 2026
Details
As Low As
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 12, 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 12, 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 12, 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 12, 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 12, 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 UpdatedMay 7, 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 12, 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 12, 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
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 12, 2026
Details
As Low As; APR - 2023 - 2025*
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 12, 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 12, 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 12, 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 12, 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 UpdatedMay 6, 2026
Details
As Low As
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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 UpdatedMay 7, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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%
1430 E Prater Way, Sparks, NV, 89434
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%
1430 E Prater Way, Sparks, NV, 89434
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%
1430 E Prater Way, Sparks, NV, 89434
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%
1430 E Prater Way, Sparks, NV, 89434
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%
700 Los Altos Pkwy, Sparks, NV, 89436 7753
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%
1430 E Prater Way, Sparks, NV, 89434
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%
700 Los Altos Pkwy, Sparks, NV, 89436 7753
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 2026
Details
As Low As
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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
As Low As
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 UpdatedMay 12, 2026
Details
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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 UpdatedMay 7, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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%
1430 E Prater Way, Sparks, NV, 89434
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%
1430 E Prater Way, Sparks, NV, 89434
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%
1430 E Prater Way, Sparks, NV, 89434
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%
1430 E Prater Way, Sparks, NV, 89434
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%
700 Los Altos Pkwy, Sparks, NV, 89436 7753
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%
1430 E Prater Way, Sparks, NV, 89434
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
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedMay 12, 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 12, 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 UpdatedMay 12, 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 12, 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 12, 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 12, 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 12, 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 UpdatedMay 7, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
Powered by
MonitorBankRates
Sparks, NV Auto Loan Rate Trends
Compare local Sparks, 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
7.854%
▼ 0.264 vs 7 days ago
Nevada new auto rates fell 0.264 points over the past 7 days to 7.854% 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 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Sparks, 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 Sparks, 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 Sparks, 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 Sparks, Nevada?
Based on our current data, some of the lowest auto loan rates available in Sparks, Nevada include:
- United Federal Credit Union: 3.50% (Fixed Rate New & Used Auto Loans)
- Great Basin Federal Credit Union: 4.25% (Auto Loans)
- Mountain America Federal Credit Union: 4.99% (New & used car loans)
- America First Federal Credit Union: 4.99% (Auto Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sparks, Nevada. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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