Auto Loans · Reno, Nevada
2 credit unions in Reno report car loan rates to the NCUA. Rates range from 3.79% to 8.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
3.79%
Lowest New Car Rate
5.90%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SIERRA PACIFIC ★ 4.8 · 83 reviews | 3.79% | 3.79% |
| 2 | GREAT BASIN ★ 3.4 · 81 reviews | 8.00% | 8.00% |
2 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SIERRA PACIFIC ★ 4.8 · 83 reviews | 3.79% | 3.79% |
| 2 | GREAT BASIN ★ 3.4 · 81 reviews | 8.00% | 8.00% |
A pre-approval from a Reno 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 Reno in the same window and take the best offer.
See member reviews, branch locations, and full rate details.