Wells, Nevada Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
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Current auto loan rates in Wells, Nevada include United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.13% offering Fixed Rate New & Used Auto Loans - Up to 36 Months at 2.99%, Churchill County Federal Credit UnionChurchill County Federal Credit UnionA+5.0 ★Texas Ratio: 2.92% offering Vehicle Loans at 3.75%, Sierra Pacific Federal Credit UnionSierra Pacific Federal Credit UnionA+5.0 ★Texas Ratio: 1.48% offering New and Used Auto Loan at 3.94%, Credit Union 1 Credit Union Rantoul, ILCredit Union 1 Credit Union Rantoul, ILA5.0 ★Texas Ratio: 7.86% offering New Auto 2025 & Newer at 3.99%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% offering Auto Loans at 4.14%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Wells borrowers have access to 11 lenders serving the Nevada area, with auto loan rates as low as 2.99% APR from United Federal 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 Wells, Nevada. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Wells, Nevada & Surrounding Area
Wells Auto Loan Rates
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As low as rate is on approved credit. Terms may apply.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as
2026 & Newer
As low as
As low as
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
$5,000 to $9,999
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
$5,000 to $9,999
As low as
As Low As; Minimum to Finance: $5,000
As low as
As Low As; Fixed
As low as
New Auto (2025/2026)
Used Auto (2025 or older)
2023 - 2025*
As low as
As low as
As low as
As low as
As Low As; Fixed
As Low As; Fixed
Low-payment alternative to leasing. New & used cars and trucks. Ask for details. Rate is increased 1% for mileage over 75,000; Rates stated as annual percentage rate (APR). Loan rates as of 12/1/2025 and current as of today; rates subject to change without notice. Additional lending policies may apply. Financing, term, rate, and loan amount vary depending on loan type, collateral, applicant financial status & credit history. Existing Great Basin loans not eligible for refinance. 25 basis points will be added to the qualifying rate on auto and RV loans for vehicles with mileage of 75,000 or more. 50 basis points. Member loyalty criteria must be met to qualify for rate discount. Contact credit union for specific requirements and eligibility.
As Low As; Minimum to Finance: $5,000
As low as
As Low As; Minimum to Finance: $10,000
As Low As; Minimum to Finance: $20,000
As low as
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As Low As; Minimum to Finance: $5,000
As Low As; Minimum to Finance: $10,000
As Low As; Minimum to Finance: $15,000
As low as
As Low As; Minimum to Finance: $15,000
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
As Low As; Minimum to Finance: $20,000
As Low As; Fixed
As low as
$15,000 to $24,999
2023 - 2025*
As low as
As low as
As low as
$15,000 to $24,999
As Low As; Minimum to Finance: $20,000
As low as
As low as
As low as
Over $25,000
As low as
As low as
$5,000 to $9,999
As low as
As low as
As low as
As low as; Rates apply to 2015 or newer models if conditions are met. See credit union for details.
As low as
$30,000; As Low As; Fixed
As low as
$15,000 to $24,999
Over $25,000
$5,000 to $9,999
As Low As; Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
$15,000 to $24,999
Over $25,000
$5,000 to $9,999
$15,000 to $24,999
$5,000 to $9,999
$15,000 to $24,999
Wells New Auto Auto Loan Rates
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as
As low as
As low as
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as
As Low As; Minimum to Finance: $5,000
As low as
New Auto (2025/2026)
As low as
As low as
As low as
As Low As; Minimum to Finance: $20,000
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Wells Used Auto Auto Loan Rates
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as
Used Auto (2025 or older)
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Wells, NV Auto Loan Rate Trends
Compare local Wells, 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.
Nevada new auto rates rose 0.214 points over the past 7 days to 5.714% APR.
Nevada used auto rates fell 0.228 points over the past 7 days to 5.562% APR.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Nevada APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.71% APR NV average | Used Auto @ 5.56% APR NV average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.00/mo | $286.95/mo | $1.05/mo |
| $25,000 | $480.00/mo | $478.24/mo | $1.75/mo |
| $35,000 | $672.00/mo | $669.54/mo | $2.45/mo |
| $45,000 | $864.00/mo | $860.84/mo | $3.16/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
About Our Wells, Nevada Auto Loan Rate Database
Our Wells, Nevada auto loan tables currently track 11 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Wells, Nevada database right now is 2.99% APR from United Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Wells, Nevada
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Wells, Nevada locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Nevada. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment → park it in a Wells, Nevada high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange → compare personal loan rates
- Car fund you won’t need for a set period → Wells, Nevada CD rates lock in a guaranteed return until you’re ready to buy
Wells, Nevada Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Wells, Nevada — but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies — can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Wells, Nevada. We’ve prefilled the APR with today’s NV new-auto average — or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wells, Nevada auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Wells, Nevada directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Wells, Nevada. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NV.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Wells, Nevada
How does my credit score affect my car loan rate in Nevada?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Wells, Nevada?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Wells, Nevada?
- United Federal Credit Union: 2.99% (Fixed Rate New & Used Auto Loans - Up to 36 Months)
- Churchill County Federal Credit Union: 3.75% (Vehicle Loans)
- Sierra Pacific Federal Credit Union: 3.94% (New and Used Auto Loan)
- Credit Union 1 Credit Union Rantoul, IL: 3.99% (New Auto 2025 & Newer)
- Baxter Credit Union: 4.14% (Auto Loans)
Wells, Nevada Rates & Resources
