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Auto Loan Rates in Winnemucca, Nevada (NV) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| i Editorial Disclosure
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 Winnemucca, Nevada. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 10, 2026

Current auto loan rates in Winnemucca, Nevada include Financial Horizons Credit UnionFinancial Horizons Credit Union311 S Bridge St, Winnemucca, NV, 89445 3187A+5.0 ★Texas Ratio: 0.26% offering New Vehicle Loan - 2024-2026 A at 4.25%, 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%, 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 10, 2026 according to verified data from MonitorBankRates.

Winnemucca has 1 local institution in our database, with auto loan rates as low as 4.25% APR from Financial Horizons Credit Union at 311 S Bridge St, Winnemucca, NV, 89445 3187. 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 Winnemucca, Nevada. Auto Loan Rates Last Updated and Verified: May 10, 2026

Compare Auto Loan Rates Today in Winnemucca, Nevada & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 A
4.25%
24-Month
View
▼
APR4.25%
Term24-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 B
4.25%
24-Month
View
▼
APR4.25%
Term24-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older A
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older B
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 A
4.75%
60-Month
View
▼
APR4.75%
Term60-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 B
4.75%
60-Month
View
▼
APR4.75%
Term60-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 A
5.00%
72-Month
View
▼
APR5.00%
Term72-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 B
5.00%
72-Month
View
▼
APR5.00%
Term72-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older A
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older B
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older A
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older B
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 A
5.50%
84-Month
View
▼
APR5.50%
Term84-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 B
5.50%
84-Month
View
▼
APR5.50%
Term84-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older A
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older B
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 C
6.50%
24-Month
View
▼
APR6.50%
Term24-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 C
6.75%
36-Month
View
▼
APR6.75%
Term36-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 C
7.00%
48-Month
View
▼
APR7.00%
Term48-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older C
7.00%
24 Months
View
▼
APR7.00%
Term24 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older C
7.25%
36 Months
View
▼
APR7.25%
Term36 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 C
7.50%
60-Month
View
▼
APR7.50%
Term60-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older C
7.50%
48 Months
View
▼
APR7.50%
Term48 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 C
7.75%
72-Month
View
▼
APR7.75%
Term72-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older C
8.25%
60 Months
View
▼
APR8.25%
Term60 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older C
8.50%
72 Months
View
▼
APR8.50%
Term72 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 D
11.00%
24-Month
View
▼
APR11.00%
Term24-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 D
11.25%
36-Month
View
▼
APR11.25%
Term36-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 D
11.50%
48-Month
View
▼
APR11.50%
Term48-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 D
12.00%
60-Month
View
▼
APR12.00%
Term60-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 D
12.25%
72-Month
View
▼
APR12.25%
Term72-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older D
12.25%
24 Months
View
▼
APR12.25%
Term24 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older D
12.50%
36 Months
View
▼
APR12.50%
Term36 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 E
12.75%
24-Month
View
▼
APR12.75%
Term24-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older D
12.75%
48 Months
View
▼
APR12.75%
Term48 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 E
13.00%
36-Month
View
▼
APR13.00%
Term36-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 E
13.25%
48-Month
View
▼
APR13.25%
Term48-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older D
13.25%
60 Months
View
▼
APR13.25%
Term60 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 E
13.75%
60-Month
View
▼
APR13.75%
Term60-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older D
13.75%
72 Months
View
▼
APR13.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older E
13.75%
24 Months
View
▼
APR13.75%
Term24 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 E
14.00%
72-Month
View
▼
APR14.00%
Term72-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older E
14.00%
36 Months
View
▼
APR14.00%
Term36 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older E
14.25%
48 Months
View
▼
APR14.25%
Term48 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older E
14.75%
60 Months
View
▼
APR14.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older E
15.00%
72 Months
View
▼
APR15.00%
Term72 Months
Last UpdatedMay 2, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
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
View
▼
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
View
▼
APR3.75%
Term48 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
View
▼
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
View
▼
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
View
▼
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%
Auto Loans
4.25%
60 Month
View
▼
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
View
▼
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%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
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%
New Auto (2025/2026)
4.99%
Up to 96 Months
View
▼
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
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
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
View
▼
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
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 5, 2026
Details

As Low As; Model Year New - 2025

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
New & used car loans
4.99%
60 Months
View
▼
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%
Auto Loan
4.99%
5 Years
View
▼
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%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
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
View
▼
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
View
▼
APR5.24%
Term84 Months
Last UpdatedMay 5, 2026
Details

As Low As; Model Year New - 2025

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
New car loans
5.24%
72-month
View
▼
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%
Auto Loan
5.24%
6 Years
View
▼
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%
Auto Loan - Declining Rate Auto
5.24%
5 Years
View
▼
APR5.24%
Term5 Years
Last UpdatedMay 10, 2026
Details

As Low As

Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks
5.34%
36 Months
View
▼
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
View
▼
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
View
▼
APR5.49%
Term73 to 84 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
5.54%
36 Months
View
▼
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
View
▼
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
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Automobiles & Light-Duty Trucks
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedMay 5, 2026
Details

As Low As; Model Year 2024 - 2021

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
View
▼
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
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 5, 2026
Details

As Low As; Model Year 2020 - 2016

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
5.99%
7 Years
View
▼
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%
Classic Cars
7.25%
48 Months
View
▼
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%
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
View
▼
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%
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 7, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 A
4.25%
24-Month
View
▼
APR4.25%
Term24-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 B
4.25%
24-Month
View
▼
APR4.25%
Term24-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 A
4.75%
60-Month
View
▼
APR4.75%
Term60-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 B
4.75%
60-Month
View
▼
APR4.75%
Term60-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 A
5.00%
72-Month
View
▼
APR5.00%
Term72-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 B
5.00%
72-Month
View
▼
APR5.00%
Term72-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 A
5.50%
84-Month
View
▼
APR5.50%
Term84-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 B
5.50%
84-Month
View
▼
APR5.50%
Term84-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 C
6.50%
24-Month
View
▼
APR6.50%
Term24-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 C
6.75%
36-Month
View
▼
APR6.75%
Term36-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 C
7.00%
48-Month
View
▼
APR7.00%
Term48-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 C
7.50%
60-Month
View
▼
APR7.50%
Term60-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 C
7.75%
72-Month
View
▼
APR7.75%
Term72-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 D
11.00%
24-Month
View
▼
APR11.00%
Term24-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 D
11.25%
36-Month
View
▼
APR11.25%
Term36-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 D
11.50%
48-Month
View
▼
APR11.50%
Term48-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 D
12.00%
60-Month
View
▼
APR12.00%
Term60-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 D
12.25%
72-Month
View
▼
APR12.25%
Term72-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 E
12.75%
24-Month
View
▼
APR12.75%
Term24-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 E
13.00%
36-Month
View
▼
APR13.00%
Term36-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 E
13.25%
48-Month
View
▼
APR13.25%
Term48-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 E
13.75%
60-Month
View
▼
APR13.75%
Term60-Month
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
New Vehicle Loan - 2024-2026 E
14.00%
72-Month
View
▼
APR14.00%
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
3.50%
36 Months
View
▼
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
View
▼
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
View
▼
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%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
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%
New Auto (2025/2026)
4.99%
Up to 96 Months
View
▼
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
View
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
New & used car loans
4.99%
60 Months
View
▼
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%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
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
View
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
New car loans
5.24%
72-month
View
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 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
View
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older A
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older B
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older A
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older B
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older A
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older B
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older A
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older B
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older C
7.00%
24 Months
View
▼
APR7.00%
Term24 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older C
7.25%
36 Months
View
▼
APR7.25%
Term36 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older C
7.50%
48 Months
View
▼
APR7.50%
Term48 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older C
8.25%
60 Months
View
▼
APR8.25%
Term60 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older C
8.50%
72 Months
View
▼
APR8.50%
Term72 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older D
12.25%
24 Months
View
▼
APR12.25%
Term24 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older D
12.50%
36 Months
View
▼
APR12.50%
Term36 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older D
12.75%
48 Months
View
▼
APR12.75%
Term48 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older D
13.25%
60 Months
View
▼
APR13.25%
Term60 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older D
13.75%
72 Months
View
▼
APR13.75%
Term72 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older E
13.75%
24 Months
View
▼
APR13.75%
Term24 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older E
14.00%
36 Months
View
▼
APR14.00%
Term36 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older E
14.25%
48 Months
View
▼
APR14.25%
Term48 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older E
14.75%
60 Months
View
▼
APR14.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
311 S Bridge St, Winnemucca, NV, 89445 3187
Used Vehicle Loan - 2023 & Older E
15.00%
72 Months
View
▼
APR15.00%
Term72 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
3.50%
36 Months
View
▼
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
View
▼
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
View
▼
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%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
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
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
New & used car loans
4.99%
60 Months
View
▼
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%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
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%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Winnemucca, NV Auto Loan Rate Trends

Compare local Winnemucca, 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.

View Full Nevada Auto Trends →
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 Winnemucca, 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 Winnemucca, 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 Winnemucca, 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 Winnemucca, Nevada?

Based on our current data, some of the lowest auto loan rates available in Winnemucca, Nevada include:
  • Financial Horizons Credit Union: 4.25% (New Vehicle Loan - 2024-2026 A)
  • 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)
  • Great Basin Federal Credit Union: 4.25% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Winnemucca, Nevada. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 10, 2026

Winnemucca, Nevada Rates & Resources

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