Choose Your Route!

You put a lot of time into choosing the perfect vehicle. Getting the perfect loan only takes a few minutes. At Sierra Pacific, you’ll find the low rates, first-class service, and warranty options you need to get rolling.

person driving

Time for a New Ride?

We’ve got the budget-friendly options you need for new and used vehicles.

With rates as low as 6.00% APR*, you’re sure to cruise without spending a ton of cash.

Young woman adjusting the rear view mirror in a car

Ready to Refinance?

Love your vehicle, but not your rate? Refinance your loan from another lender, and we’ll give you more than just our low rates.

How much more? 1% Cash-Back up to $300!** 


New and Used Vehicle Loans

  • Rates as low as 6.00% APR*
  • Terms from 36 to 84 months
  • No loan processing fees, application fees, or prepayment penalties
  • Apply online for pre-approval
  • Ready to purchase? Apply with Sierra Pacific straight from the dealership.
auto loan people that are happy because they saved lots of money by financing with Sierra Pacific FCU

New and Used Vehicle Rates

Rates apply to 2016 or newer models if conditions are met.
Last Updated: April 10, 2023, 9:32 am

Terms APR
36 Months 6.00% APR*
48 Months 6.20% APR*
60 Months 6.30% APR*
72 Months 6.40% APR*
84 Months 7.00% APR*
*APR=Annual Percentage Rate. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.

See What Members Have to Say

Ready to Refinance with Sierra Pacific’s Great, Low Rates?

You’ve already got your car loan — so why is refinancing a good idea?

Lower Rates

Auto loan rates are always changing. You may be able to get a lower rate in today’s market than when you got your loan.

Lower Payment

If your current loan payment is too high, we can help! Adjusting your loan terms can help save you money every month.

Improved Credit Score

If you’ve been working hard on improving your financial situation, refinancing could be for you. A better credit score might help you access a lower rate.

Cash-Back Promotion

When you refinance your auto loan from another institution, we’ll give you 1% Cash-Back up to $300!** 

Add-On Products

guy on the phone and looking under the hood of a car simultaneously

Guaranteed Asset Protection

Protect the “gap” between your vehicle’s value and the amount you still owe in case of total loss due to accident or theft.

guy driving car

Auto Deductible Reimbursement

Be reimbursed for your insurance deductible in case of an accident.

mechanic working on car

Mechanical Breakdown Insurance

Cover the expensive mechanical, electrical, and electronic parts of your vehicle in case of needed repairs.

A Few Car Buying Resources For You

smashed back drivers side SUV with the text what is GAP Coverage? over a light blue box.
silver sedan with text saying 5 ways to get a great car for less over a gold box
red car with smiling guy out the passengers side window with fist raised in joy

*APR = Annual Percentage Rate. Rates are on credit history and may change without notice. Additional lending policies may apply. **1% cashback with a maximum value of $400. This offer does not apply to loans currently financed with Sierra Pacific Federal Credit Union. Fees and charges may apply. Membership Eligibility Required. See credit union for details. Federally insured by NCUA.

Member Reviews

Great loan experience, Meliza Tavera was stellar!

Rated 5 out of 5
April 21, 2023

I traded in my car and finanaced my new car through Sierra Pacific FCU. Meliza Tavera helped me all the way through with all my required paperwork, questions, and preapproval. I recieved a promotional reduced rate and terms that the car dealer could compete with. She made the whole process seamless and simple. This is part of why I prefer Credit Unions over traditional banks. Thanks again Meliza, I appreciate you!

Ernest J.

Loan refinancing

Rated 5 out of 5
September 7, 2022

Missy Daniels in the Las Vegas office, is simply great! She was very attentive and followed up on my questions, provided information in a timely manner and kept me informed. She made the entire process go as ‘smooth as silk’. She is definitely an asset to Sierra Pacific, a real gem!!! Thanks again Missy for all your help!

Dawne J.

Auto Loan Refinance

Rated 5 out of 5
June 17, 2022

The entire process was very quick and easy. Thank you to Terri Merkel for her expertise and professionalism. She was very efficient and personable.

Jerry F.

Easy to do business with

Rated 5 out of 5
December 10, 2021

My representative Missy Daniels was knowledgeable and patient and took a lot of stress out of the car buying process


Awesome humans!

Rated 5 out of 5
September 21, 2021

Terri was so beyond helpful + patient with me during the buying process. 10/10 would recommend Terri + the Phoenix branch. She cares about what is best for you + her communication throughout the loan process was impeccable. They got me in + out of the office quickly + easily once I had found the car I was looking for as well + even got the the automatic payment set up (for my loan from my savings account) too. Terri made this process so EASY + convenient – in a world where that is typically not the case.

Ashley E.

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Sierra Pacific Federal Credit Union