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One Nevada Credit Union Auto Loan Calculator, Interest Rates & Overview

Updated 15 October 2023

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One Nevada Credit Union auto loans overview

One Nevada Credit Union has multiple locations across northern and southern Nevada and offers flexible vehicle financing options in Clark, Nye, and Washoe counties. Qualified members can secure competitive rates and flexible repayment options for both new and used vehicles. Additionally, One Nevada has a range of vehicle loans for cars, motorcycles, watercraft, and recreational vehicles.

Want to see what a One Nevada auto loan will cost? Try the One Nevada Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key One Nevada Credit Union auto loan features

Minimum loan amount: Undisclosed.
Maximum loan amount: Undisclosed.
Interest rates: Undisclosed.
Loan terms: Up to 72 months.
Loan fees: Undisclosed.
Discounts: Undisclosed.

ONE NEVADA AUTO LOAN OPTIONS

New and used auto loans

One Nevada Credit Union offers loans for new and used cars and trucks. Repayment terms can extend up to 72 months, and you can skip your first payment for 90 days. Keep in mind that your APR will depend on your credit profile, collateral age and value, and loan term.

Motorcycle loans

You can also apply for loans tailored for motorcycles and ATVs. Rates are as low as 6.50% APR, and you can finance either new or used models. To know the terms you qualify for, you can easily get pre-approved online.

Recreational vehicle loans

One Nevada offers loans for both pre-owned and new recreational vehicles, too. For purchasing, rates begin at 7% APR, while refinancing starts at 10% APR. If you’re looking for motorhomes, rates start as low as 9% APR.

Boat and trailer loans

If you want to cruise the waves, you can also fund jet skis, personal watercraft, motorboats, yachts, sailboats, and fishing boats. Rates start at 9% APR, but if you’re refinancing, APRs begin at 10% APR.

One Nevada Credit Union auto loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$25,000

Term

60 months

Change

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Estimated Month Repayments

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a One Nevada Credit Union auto loan

Eligibility criteria

Even though One Nevada Credit Union doesn’t state the standards for auto financing, you should commonly be:

A One Nevada member
18 years old or older
A legal resident
Employed or have a reliable source of income

Try to build your credit profile and lower your debt-to-income ratio (DTI), too. These figures give lenders an idea of how well you manage your credit. So, a higher credit score and a lower DTI ratio can help you qualify for better rates and terms.

How to join One Nevada Credit Union

To qualify for membership at One Nevada, you should either:

Live, work, worship, or attend school in Clark, Nye, or Washoe counties
Or have a family member who is a One Nevada member

What you’ll need to have ready

Personal details

When you apply for auto financing with One Nevada Credit Union, you’ll be asked to provide personal information such as:

An email address
Your full name
Address
Social Security number
Employment information
Income details
U.S. citizenship status
A list of monthly expenses

Documents

You may need to provide One Nevada with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Besides the documents, consider asking about the loan fees. This will help you estimate the overall cost of financing your car. Moreover, this will give you a basis for comparing other offers to find which will save you more over the life of the loan.

Ways to apply for a One Nevada auto loan

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call 800-388-3000

Additional One Nevada Credit Union auto loan details

Automatic payment: Available.

Loan approval times: Undisclosed, but it may take a day to a few weeks depending on your application.

Rate discounts: Potential lower APRs for applicants with excellent credit.

Repayment frequency: Monthly.

Late payment fees: Undisclosed.
Prepayment penalty: $0.

Co-borrowers allowed: Yes.
Co-signers: Undisclosed.

Hardship program: Undisclosed.

Ways to repay: Online banking, mobile banking, over the phone, by mail, and in person.

Vehicle restrictions and limitations

Maximum vehicle age: Undisclosed.
Maximum vehicle mileage: Undisclosed.
Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

Flexible repayment periods.
No payment for 90 days.
Convenient online pre-approval offered.
Co-applicants allowed.
Loans available for new and pre-owned cars, trucks, motorcycles, boats, recreational vehicles, motorhomes, and trailers.
No early payment penalties.
Purchase and refinance available.
Optional auto insurance offered.

Cons

Undisclosed interest rates.
Membership required.
Undisclosed minimum and maximum loans.
Loan fees unspecified.

FREQUENTLY ASKED QUESTIONS

How much interest does One Nevada charge on car loans?

One Nevada doesn’t disclose the interest rates for new and used auto loans. Remember though that your APR depends on your credit standing, vehicle age and value, and loan term.

What is the maximum term of a One Nevada Credit Union auto loan?

You can make your loan payments for up to 72 months.

How many pay slips does One Nevada require during my car loan application?

When you apply for an auto loan, prepare your current pay stub.

What information do I need to provide when applying for a One Nevada vehicle loan?

One Nevada Credit Union will ask for your personal and contact details as well as information on your income and employment. You also need to provide an employment letter.

Are there early repayment fees on One Nevada Credit Union auto loans?

None. You can pay off your car loan early without worrying about prepayment penalties.

Does One Nevada Credit Union refinance auto loans?

Yes. You can transfer your existing car loan to One Nevada to benefit from the credit union’s rates and terms.

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Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.