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Are you hoping to finance a car in Las Vegas? It would be nice if this was a painless process, but it usually isn’t. Loan providers want lots of info before deciding to grant you an auto loan. Why wait to apply at the bank or dealership when you can apply right here online? Experience the convenience of having a local Las Vegas financing specialist lead you through the car-buying process. On top of that, it’s free to apply.

Auto Loan Rates in Las Vegas

Down below you’ll find rates approximated at different credit scores. These are not to be viewed as advertisements. The rate you’re offered may deviate noticeably from the rates displayed here.

FICO Score New Car Used Car
Excellent 3.6% 4.2%
Good 5.1% 6.0%
Average 7.2% 8.5%
Subprime 10.4% 11.3%
Bad 15.2% 17.0%
Very Bad 17.1% 19.2%

Do you know what your credit score is? You really should. Many companies actually employ an auto finance-specific credit score unavailable to individuals, but you can visit here to check your tri-bureau score–it will help you establish what your interest rate should be.

Used Car Financing in Las Vegas

Perhaps you have noticed, lenders charge slightly higher interest rates for pre-owned cars and trucks. That said, a used car loan has loads of benefits:

  • Smaller percentage down required.
  • Cheaper sticker price.
  • Lesser risk of negative equity.

You can finance a low-mile used vehicle for so much less than the cost of a brand new one.

Years Old Price Rate Months Payment Interest Total
New $21,400 6.00% 60 $413.72 $3,423 $24,823
1 Year $17,120 7.50% 60 $343.05 $3,463 $20,583
2 Years $14,552 7.50% 60 $291.59 $2,944 $17,496
3 Years $12,369 7.50% 60 $247.85 $2,502 $14,871

Many cars depreciate 15% each and every year, so you can obtain a low-mileage used car for thousands less than a brand new one. Most loan companies will permit you to finance a second hand vehicle up to eight years old, and some have a mileage cap of 100K miles.

Bad Credit Car Loans in Las Vegas

Less-than-perfect credit makes it difficult to finance a car, but it isn’t inconceivable. Simply put, banks and lenders use your credit score as an indication of how likely you are to make your payments as scheduled. Although below-average credit always results in a higher rate of interest, you can now request quotes from an assortment of companies online.

In Las Vegas, buy here pay here car dealers end up servicing individuals with significant credit problems of one type or another. No, your credit won’t be a problem at this kind of place, but you will find yourself coughing up a ton in interest for an outdated car or truck. Whenever feasible, you want to secure your car loan through one of the below loan companies:

  • Bank.
  • Credit union in your area.
  • Auto loan company.

A dealer or local finance expert can help you secure financing from one of these loan companies. The advantages are myriad: improved rates of interest, superior service, and if you make your payments on time, a boost to your credit score.

Go here to apply online.

Minimizing Your Interest Rate

Interest can make up a significant percentage of your payment each month, particularly if your credit score isn’t so great. Does your credit report have discrepancies? These can hurt your credit score more than you might expect. You can pull your credit completely free online.

Addressing any mistakes–a relatively simple process–could result in big improvements in your credit score. Aside from that, down payments, cosigners, and shorter-term loans all bring about cheaper rates.

Can a Car Loan Improve Your Credit?

A car loan can improve your credit, provided that it meets the following conditions:

  • It isn’t provided by a buy here pay here dealer.
  • The installments are paid in a timely manner, month after month.

Buy here pay here car dealerships never report to the credit reporting agencies, meaning your credit score isn’t likely to go up. It’s wise to enroll in automated payments, just to make sure you don’t forget any monthly payments.

Las Vegas Resources

Credit Unions

Credit UnionStreet addressZipPhone
A Entertainment Credit Union3013 W Sahara Ave89102(702) 644-3344
Alderus Funding & Investments2921 N Tenaya Way89128(702) 255-5783
Aloha Pacific8660 W Cheyenne Ave #11089129(702) 776-6900
America First2699 N Tenaya Way89128(702) 968-1100
America First3310 E Flamingo Rd89121(702) 968-1100
America First7130 N Durango Dr89149(702) 968-1100
America First3846 W Sahara Ave89102(702) 968-1100
Clark CountyPO BOX 3649089133(702) 228-2228
Clark County1425 E Windmill Ln89123(702) 228-2228
Clark County2625 N Tenaya Way89128(702) 228-2228
Clark County803 Shadow Ln89106(702) 228-2228
Credit Union 17650 W Sahara Ave89117(702) 735-2181
Cumorah Credit Union7900 W Tropical Pkwy #11089149(702) 735-2181
Data Management Services1613 Amalfi Ct89117(702) 228-7782
Ensign Federal Credit Union1300 E Warm Springs Rd89123(702) 382-5010
First Entertainment Credit Union3100 West Sahara Avenue Frnt89102(702) 251-8011
First Security Services4425 Spring Mountain Rd89102(702) 952-6000
Intouch5695 E Charleston Blvd89142(702) 382-5010
Intouch7676 W Lake Mead Blvd89128(702) 992-7430
Las Vegas Up Employees320 N 10th St89101(702) 382-9688
Lockheed Federal Credit Union8242 Turtle Creek Cir89113(702) 362-3399
Mountain America4810 W Desert Inn Rd89102(702) 251-5750
Nevada FCUP.O. Box 1540089114(702) 457-1000
Nevada FCU2645 S Mojave Rd89121(702) 457-1000
Nevada FCU4840 Blue Diamond Rd89139(702) 823-7818
Nevada FCU853 S Rainbow Blvd89145(702) 948-5393
Nevada FCU2949 E Desert Inn Rd89121(702) 641-4361
Nevada FCU4437 W Flamingo Rd89103(702) 948-5393
Nevada FCU555 S Maryland Pkwy89101(702) 641-4311
Nevada FCU3630 E Tropicana Ave89121(702) 641-4273
Nevada FCU1262 S Nellis Blvd89142(702) 948-5425
Nevada FCU9620 S Las Vegas Blvd89123(702) 948-5369
Nevada FCU6315 S Rainbow Blvd #10089118(702) 641-4364
Nevada FCU9320 W Flamingo Rd #189147(702) 948-5460
Nevada FCU2370 W Serene89123(702) 641-4245
Nevada FCU1292 S Nellis Blvd89142(702) 641-4393
Nevada FCU7450 W Lake Mead Blvd #189128(702) 641-4356
Nevada FCU7703 N El Capitan Way #19089143(702) 457-1000
Nevada FCU6420 Sky Pointe Dr89131(702) 457-1000
Nevada FCU9320 W Flamingo Rd89147(702) 457-1000
Nevada FCU555 N Maryland Pkwy89101(702) 457-1000
Nevada FCU921 Nevada 16089123(702) 457-1000
Nevada FCU2370 E Serene Ave #26089123(702) 457-1000
Nevada FCU6315 S Rainbow Blvd89118(702) 457-1000
PlusP.O. Box 2659789126(702) 871-4746
Plus1900 S Jones Blvd89146(702) 871-4746
Plus5105 E Sahara Ave89142(702) 871-4746
S W GPO BOX 9476789193(702) 876-7229
S W G5241 Spring Mountain Rd89103(702) 876-7229
Silver State Schools Credit Union1990 Village Center Cir89134(702) 733-8820
Silver State Schools FamilyP.O. Box 1203789112(702) 733-8820
Silver State Schools Family6540 E Lake Mead Blvd89156(702) 733-8820
Silver State Schools Family4055 S Durango Dr89147(702) 733-8820
Silver State Schools Family7151 W Craig Rd89129(702) 733-8820
Silver State Schools Family9325 W Sahara Ave89117(702) 733-8820
Silver State Schools Family7345 S Durango Dr #11089148(702) 733-8820
Silver State Schools Family8400 Farm Rd #16089131(702) 733-8820
Silver State Schools Family4221 McLeod Dr89121(702) 733-8820
Silver State Schools Family1650 N Buffalo Dr89128(702) 733-8820
Silver State Schools Family3876 W Sahara Ave89102(702) 733-8820
Silver State Schools Family9302 S Eastern Ave89123(702) 733-8820
Sonepco6475 W Sahara Ave89146(702) 871-0977
Sonepco7155 Lindell Rd #15089118(702) 940-2673
Stage Employees3000 S Valley View Blvd89102(702) 873-3675
USA Federal Credit Union4125 S Eastern Ave #10389119(858) 831-8100
Vons Employees FCU390 S Decatur Blvd89107(702) 870-9738
WeststarP.O. BOX 9413889193(702) 791-4777
Weststar110 E Harmon Ave89109(702) 791-4777
Weststar100 S Valley View Blvd89107(702) 791-4777
Weststar8395 W Sunset Rd89113(702) 791-4777