Auto Loans · Las Vegas, Nevada
5 credit unions in Las Vegas report car loan rates to the NCUA. Rates range from 3.99% to 8.74%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
3.99%
Lowest New Car Rate
5.77%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | WESTSTAR ★ 4.2 · 139 reviews | 3.99% | 3.99% |
| 2 | CLARK COUNTY ★ 3.7 · 3 reviews | 4.93% | 5.94% |
| 3 | SILVER STATE SCHOOLS ★ 4.4 · 109 reviews | 5.43% | 6.86% |
| 4 | PLUS ★ 4.0 · 126 reviews | 5.75% | 5.50% |
| 5 | ONE NEVADA ★ 3.8 · 111 reviews | 8.74% | 8.74% |
5 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | WESTSTAR ★ 4.2 · 139 reviews | 3.99% | 3.99% |
| 2 | PLUS ★ 4.0 · 126 reviews | 5.50% | 5.75% |
| 3 | CLARK COUNTY ★ 3.7 · 3 reviews | 5.94% | 4.93% |
| 4 | SILVER STATE SCHOOLS ★ 4.4 · 109 reviews | 6.86% | 5.43% |
| 5 | ONE NEVADA ★ 3.8 · 111 reviews | 8.74% | 8.74% |
A pre-approval from a Las Vegas credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Las Vegas in the same window and take the best offer.
See member reviews, branch locations, and full rate details.