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What drives you? At Greater Nevada Credit Union, we offer dynamic financing options (not just by land– but by sea, too; ask about boat loans). Contact us today to learn more about your credit union auto loan options with rates as low as 5.10% APR1, or go right to applying online.
Types of Car Loans
Find Your Perfect Fit
90 Days With No Payments on New and Used Auto Loans*
Looking for a new (or new to you) car, truck, or van? Start here with a low rate and no payments for the first three months. Then, hit the road anywhere! This offer is good for applications submitted by Dec. 31.
*90-day no pay offer is based on approved credit. Offer is available for auto loans with application submitted by December 31, 2024. Payment Saver Auto Loans are not eligible. If accepted, it will extend your loan by three (3) months, and finance charges will accrue on unpaid principal. Offer is subject to change or cancellation without notice except as required by law.
Types of Greater Nevada Credit Union Auto Loans
As a not-for-profit credit union, our reason for being is to help more people Live Greater. One of the ways we do this is by offering car loans that promote financial wellness via lower monthly payments, better interest rates, flexible terms, or all of the above. Below, you’ll find a few important details about different types of car loans available through our financial cooperative.
Traditional Auto Loan
Buying a car is simple and straightforward with this standard car loan, offering competitive rates and flexible terms.
Loan Terms
Up to 84 Months for New and Used (2 – 6 Years Old) for Well-Qualified Borrowers
Highlights
Lowest Rate | Up to 100% Financing | Flexible Terms | Protection Products Available
Payment Saver Auto Loan
Enjoy the freedom of lower monthly payments with this convenient car loan that combines the benefits of leasing with traditional financing.
Loan Terms
Up to 72 Months
Highlights
Lowest Payment | Up to 100% Financing | Flexible Terms | Protection Products Available
First-Time Buyer Auto Loan
New to car financing? Start building your credit history with an auto loan designed to help you get started on the right foot.
Loan Terms
Up to 72 Months
Highlights
Tailored to Those With No Credit | Flexible Terms | Protection Products Available
Credit Rebuilder Auto Loan
If you’re getting back on your feet financially, learn more about our car loan to get behind the wheel and rebuild your credit at the same time.
Loan Terms
Up to 60 Months
Highlights
Less-Than-Perfect Credit to Bad Credit | Flexible Terms | Protection Products Available
Auto Loan Refinance
Looking to take advantage of a lower annual percentage rate (APR) and possibly lower your monthly payments by refinancing your existing car loan? We’re here to help you out.
Loan Terms
Up to 84 Months for New and Used (2 – 6 Years Old) for Well-Qualified Borrowers
Highlights
Lowest Rate | Lowest Payment | Up to 100% Financing | Flexible Terms | Protection Products Available
Additional Resources for Car Buyers
Buying a car? Start here, then go anywhere–our resources (and our local lending team in Nevada) can help empower you to make the best decision for your finances.
Get Pre-Approved
Apply for pre-approval for a Greater Nevada auto loan today! By getting pre-approved, you can save time at the dealership, prepare for negotiations and establish your budget before you start car shopping.
Car Loan Protection
If your car is totaled or stolen but you still owe more than the insurance will pay for the total value, GAP coverage will pay you the difference. This low-cost protection is available with most auto loans from Greater Nevada.
- Pays difference between what insurance covers and what you still owe
- Will cover insurance deductible up to $1,000
- May provide an additional $1,000 toward the purchase of a replacement vehicle*
- Cost can be added to your Greater Nevada loan
*Replacement vehicle must be financed through Greater Nevada to qualify.
Get more peace of mind. MMP covers unexpected repairs, towing, and roadside service costs. There are three plan options, so you can choose the coverage level that fits you.
- Covered parts and labor at any ASE licensed repair facility in the U.S. and Canada (limits apply)
- Your choice of deductible ($0 to $250)
- Trip interruption up to $125**
- Rental reimbursement from $50 to $250
- Towing reimbursement of up to $100 per occurrence
- MPP can be transferred if you sell your vehicle
- 60 day Free Look – Can be canceled with a full refund within 60 days (new) or 30 days (used)
- Cost can be added to your Greater Nevada loan
- Up to 8 years and 125,000 miles coverage
- Nationwide coverage
- Seals and gasket coverage
**Up to 3 days in the event of a covered failure when traveling away from home.
With Payment/Debt Protection coverage, you and your family won’t need to worry about making your Greater Nevada loan payments if you are involuntarily unemployed, become disabled, or loss of life occurs.
- Single and joint options are available to meet your specific needs
- Up to $75,000 coverage per loan is available
- The premium is added to your loan balance each month
- Monthly payments are made automatically on all covered loans
- In the event of your death, your loan balance will be paid in full
Certain rules and restrictions apply, so please give our expert team a call for more information.
Payment/Debt Protection is a Debt Cancellation Plan and is not offered as insurance coverage. The plan is voluntary and not required in order to obtain credit. Greater Nevada will not consider whether or not you elect Payment/Debt Protection in making a credit decision.
Greater Nevada Insurance
You’re always covered with Greater Nevada. Greater Nevada Insurance, a subsidiary of GNCU, works with well-known, top rated insurance companies to offer you the best products, the best coverage, and the best prices–all tailored to your life and your goals.2
Quotes are free–no obligations, no expectations to learn more about insurance for automobiles, as well as home, renters, businesses, and more.
The Key to Buying Your Next Car
Research & Shop with AutoSMART
Take the stress out of car shopping with AutoSMART at Greater Nevada Credit Union. With this handy online tool (one that goes wherever you go) researching, comparing, and financing your next vehicle has never been easier or more satisfying.
- Connect with local dealers who can help you navigate the buying process and get a fair deal.
- Get support from auto advisors via phone or online chat to answer any questions you might have about financing, applying, and other items.
- Search inventory from more than 2 million new and used vehicles and lots of makes and models.
- Read trusted reviews of local dealers and their staff via DealerRater.com.
- Apply for a loan or get pre-approved from Greater Nevada through AutoSMART.
How to Apply for a Car Loan with Greater Nevada Credit Union
Start putting your application together today so you can start driving tomorrow. Or at the very least, within the next few weeks, because our process is designed to be simple and stress-free.
1. Determine Loan Needs
What kind of vehicle are you shopping for? New or used? Make and model? Knowing how much money you need to purchase your car of choice will help point you in the right direction.
2. Compare Loan Types
At Greater Nevada, we offer a few different auto loans to help put borrowers on the road to financial success. Compare the options explained above or contact our lending team for more in-depth information.
3. Gather Documents Needed
You’ll need a few important documents for your application. To prepare, gather things like personal identification and your pay stubs, to name a few.
4. Apply for a Car Loan
Putting your application together is simple. Use our online portal or call to chat with a member of our lending team–we’re happy to walk you through the process.
1APR (Annual Percentage Rate) effective September 11, 2024. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rate shown assumes excellent borrower credit history financing a new or used auto loan less than two years old, and includes a 0.25% rate discount for Loan to Value below 90% available for well-qualified borrowers. Not all applicants will qualify for the lowest rate. Payment example: A new auto loan of $20,000 financed at 5.10% APR for 36 months equals a payment of $600.32 per month.
2Available insurance products are not deposits of Greater Nevada Credit Union and are not protected by any type of deposit insurance, are not obligations of or guaranteed by Greater Nevada Credit Union or its affiliates, and may be subject to risk. Insurance products are not insured or guaranteed by the National Credit Union Administration (NCUA) or any other agency of the United States. Any insurance required as a condition of the extension of credit by Greater Nevada Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer’s choice.