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When you borrow money, you want to find the lowest interest rate possible so you can enjoy your purchase without paying more than you can afford. Explore GNCU’s competitive credit union loan rates here.
Loan Rates
Explore Greater Nevada Credit Union Loan Rates
Limited-Time Offer: 90 Days With No Payments on Auto Loans*
Whether you’re looking for a new (or new to you) car, truck, or van, you can enjoy a low rate and take advantage of no payments for the first three months! This offer is good for applications submitted by April 30.
*90-day no pay offer is based on approved credit. Offer is available for auto loans with application submitted by April 30, 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.
Greater Nevada Credit Union Loan Offerings
Auto Loan Rates
Product
APR1 As Low As
Product
New or Used Auto Loan (Less Than 2 Years Old)
APR1 As Low As
5.65%
Product
Used Auto Loan (2 – 6 Years Old)
APR1 As Low As
5.84%
Product
Used Auto Loan (Greater Than 6 Years Old)
APR1 As Low As
6.54%
Loan terms up to 84 months are available for well-qualified borrowers.
1APR (Annual Percentage Rate) effective February 28, 2024. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Rates shown include a 0.25% rate discount for Loan to Value below 90% available for well-qualified borrowers. Payment example: A new auto loan of $20,000 financed at 5.65% APR for 60 months equals a payment of $383.41 per month.
Personal Loan Rates
Product
APR2 As Low As
Product
Personal Loan
APR2 As Low As
13.49%
2APR (Annual Percentage Rate) effective July 19, 2023. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Payment example: A personal loan of $10,000 financed at 13.49% APR for 60 months equals a payment of $230.05 per month.
Personal Line of Credit Rates
Product
APR3 As Low As
Product
Personal Line of Credit
APR3 As Low As
14.90%
3APR (Annual Percentage Rate) effective April 17, 2023. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. An Annual Fee of $35.00 is due annually in order to continue this Line of Credit. We will add this amount to your Loan Account Balance annually.
Recreational Loan Rates
Product
APR4 As Low As
Product
New or Used Recreational Loan
APR4 As Low As
9.49%
Recreational loans are for motorhomes, fifth wheels, travel trailers, campers, utility trailers, horse trailers, boats, jet skis, motorcycles, snowmobiles, all-terrain vehicles (ATVs), and utility terrain vehicles (UTVs or side-by-sides).
Some restrictions may apply.
4APR (Annual Percentage Rate) effective October 24, 2023. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Payment example: A new RV loan of $45,000 financed at 9.49% APR for 180 months equals a payment of $469.63 per month.
Land Loan Rates
Product
APR5 As Low As
Product
Land Loan
APR5 As Low As
7.50%
5APR (Annual Percentage Rate) effective November 16, 2022. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Payment example: A land loan of $50,000 financed at 7.50% APR for 180 months equals a payment of $463.97 per month.
Student Loan Rates
Product
APR6 As Low As
Product
Student Loan
APR6 As Low As
9.75%
6APR (Annual Percentage Rate) effective April 17, 2023. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Rates shown assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Payment example: A student loan of $10,000 financed at 9.75% APR for 60 months equals a payment of $211.24 per month.
What Can Affect Your Loan Rates?
While each loan has its own respective rates associated with it, there are some common factors that determine rates. Below are some examples of what can impact the rate you are offered on a given loan through GNCU.
How well you’ve handled your repayments in the past has a major impact on the rate we’ll be able to offer you. Having an excellent credit score is key to obtaining a loan that works for you.
In the case of an auto loan or home mortgage loan, the amount of money you’re able to put down toward the principal can impact how much you’ll pay — and the rate you pay it at — in the long run.
There is a bit more to a loan than the purchase price of an item. Real estate loans, for instance, include closing costs and Private Mortgage Insurance, both of which can impact your monthly payment.
The type of loan you’re seeking will affect the interest rates. Home loans, for instance, can be of the fixed rate or adjustable rate variety. Other factors such as the Federal Reserve’s prime rate can be a factor.
How long you intend to borrow the money can be a determining factor in the rate you pay. Generally, a loan that is longer in length will have a lower interest rate, but it varies by loan type.
Do you have a co-signer on your loan? If you do, and if your credit score is lower, you could enjoy better rates with another signer guaranteeing repayment of the loan.
What Are the Benefits of a Loan With a Credit Union?
Competitive Interest Rates
GNCU offers interest rates that compare positively with other financial institutions.
Improved Credit Score
A loan with GNCU is not just a transaction. It’s a chance to build your credit and your financial future.
Flexible Loan Terms
Whatever your stage of life, we will work to find you a loan with monthly payments you are comfortable with.
Variety of Loan Options
From boat, car and home loans to those that help kickstart your education or career, we’re here for you.
GNCU Is Not-For-Profit
Unlike banks, which answer to corporate shareholders, we only answer to you: the community.
Local Decision Making and Support
Questions about the loan process? Feel free to call us. We’re here to help.
What are loan rates currently?
What is a good interest rate on a loan?
Is 10% a good loan rate?
How much is a $5,000 loan per month?
How can I get a low APR loan?
Apply for a Greater Nevada Credit Union Loan
Ready to get started with a personal loan from GNCU? Click the helpful links below to get started.
