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 2.99% 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 2.99% 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 2015 or newer models if conditions are met.
Last Updated: June 24, 2022, 9:03 am

Terms APR
36 Months 2.99% APR*
48 Months 2.99% APR*
60 Months 3.29% APR*
72 Months 3.49% APR*
84 Months 3.79% 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

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

Byron .

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.

Out of state Private Party Loan and Refinance

Rated 5 out of 5
August 26, 2021

Terri and Jonathan at the Phoenix office were a great help for both my loans

Tanya A.

Review of Sierra Pacific Credit Union

Rated 5 out of 5
March 12, 2021

We recently had the pleasure of working with Missy at Sierra Pacific Credit union in Las Vegas regarding a car loan.
Missy was not only extremely courteous but also very professional in her dealings with our needs. She was also quick to respond to our questions and worked diligently with us throughout the entire process.
Missy is truly an asset to your company!

Cecilia N.

Newsletter Sign Up

Sierra Pacific Federal Credit Union