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Benefits of a Traditional Auto Loan

  • ​Flexible terms and competitive rates for payments that fit your budget
  • Loans for new and used vehicles, as well as refinancing your current loan
  • Up to 100% financing with no money down
  • Tax, license, and extended warranties can be rolled into financing
  • Local decision-making for personal service and a quick turnaround 
  • See the Loan Protection tab above for additional available coverage
  • Affordable insurance available through Greater Nevada Insurance
To get started, fill out our online pre-approval application for your loan (it's like shopping with cash), or ask for Greater Nevada financing right at the dealership. You can also use the Research & Shop tab above to shop online.

Call (855) 548-4787 to apply over the phone or apply now through our online application.

Use Our Simple Car Loan Comparison Chart

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Tailored to Those with No Credit       loan protection  
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Learn More About Our Other Available Car Loans:

Introducing AutoSMART

The Key to Buying Your Next Car

Whether you’re looking for a new or used vehicle, you can easily shop on-the-go or online and experience a smarter, and stress-free car buying experience with AutoSMART at Greater Nevada Credit Union. Discover an online car buying destination designed to make researching, shopping for, and financing your next vehicle easy and satisfying.

  • Connect to local automobile dealers committed to helping you navigate the buying decision and get a fair deal  
  • Get support from Auto Advisors via phone or online chat to answer additional questions you might have about purchasing the right vehicle
  • Search inventory from more than 2 million new and used vehicles and wide variety of makes and models
  • Read trusted reviews of local dealers and their staff via
  • Apply for a loan* quickly and easily and get pre-approved from GNCU right through the AutoSMART site
Start Shopping

Know What You Can Afford

Get pre-approved by applying for a Greater Nevada Auto Loan today! It's like shopping with cash. By getting pre-approved, you can easily get the financing you need, enjoy extra negotiating power and get on the road faster with your new car.

Apply Now

Shopping with AutoSMART

Whether you buy from a dealer or private party, Greater Nevada offers Guaranteed Asset Protection (GAP), Major Mechanical Protection (MMP) and Debt Protection to keep your loan affordable.

Guaranteed Asset Protection (GAP)

If your car is totaled or stolen, but you still owe more than the insurance will pay for the total value, GAP will pay you the difference. This low-cost protection is available with most auto loans from Greater Nevada.

  • Pays difference between what insurance covers and what you still owe
  • Will cover insurance deductible up to $1,000
  • May provide an additional $1,000 toward the purchase of a replacement vehicle*
  • Cost can be added to your Greater Nevada loan

*Replacement vehicle must be financed through Greater Nevada to qualify.

Major Mechanical Protection (MMP)

This high-quality program gives you peace of mind by covering unexpected repairs, towing, and roadside service costs. There are three plan options available, so you can choose the coverage level that's best for you.

  • Covered parts and labor at any ASE licensed repair facility in the U.S. and Canada (limits apply)
  • Your choice of deductible ($0 to $250)
  • Trip interruption up to $125**
  • Rental reimbursement from $50 to $250
  • Towing reimbursement of up to $100 per occurrence
  • MPP can be transferred if you sell your vehicle
  • 60 day Free Look - Can be cancelled with a full refund within 60 days (new) or 30 days (used)
  • Cost can be added to your Greater Nevada loan
  • Up to 8 years and 125,000 miles coverage
  • Nationwide coverage
  • Seals and gasket coverage

**Up to 3 days in the event of a covered failure when traveling away from home.

Debt Protection

With Debt Protection, you and your family won't need to worry about making your Greater Nevada loan payments if you are involuntarily unemployed, become disabled, or loss of life occurs. 
  • Single and joint options are available to meet your specific needs
  • Up to $75,000 coverage per loan is available
  • The premium is added to your loan balance each month
  • Monthly payments are made automatically on all covered loans
  • In the event of your death your loan balance will be paid in full
Certain rules and restrictions apply, so please contact Greater Nevada Credit Union at (775) 882-2060 or (800) 421-6674 for more information.

Debt Protection is a Debt Cancellation Plan and is not offered as insurance coverage. The plan is voluntary and not required in order to obtain credit. Greater Nevada will not consider whether or not you elect payment protection in making a credit decision.


At Greater Nevada Credit Union, we've got you covered! Greater Nevada Insurance (GNI) works with a wide variety of well-known, top rated insurance companies to help you find the best product, the best coverage and the best price for your particular situation.

There’s no cost or obligation to get a free quote. Simply call 775-886-1967 or click here to learn more about the affordable, quality insurance options for automobiles, as well as home, renters, business, and more.

Get a Free Insurance Quote


Available insurance products are not deposits of Greater Nevada Credit Union and are not protected by any type of deposit insurance, are not obligations of or guaranteed by Greater Nevada Credit Union or its affiliates, and may be subject to risk. Insurance products are not insured or guaranteed by the National Credit Union Administration (NCUA) or any other agency of the United States. Any insurance required as a condition of the extension of credit by Greater Nevada Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer's choice.

I was so impressed with how quick and easy it was to secure a new car loan. This was the second car loan we had through the credit union and was so easy and better interest rates than the banks were offering.
— Lorraine T. (December 2020)

GNCU's loan allowed me to buy a truck for my son and I. This has made our lives greater because now we can go camping, biking, fishing, hiking, take our dog places with us. We now have all kinds of new adventures we are excited about. Thanks GNCU!
— Gina G. (September 2020)

I have used GNCU for my car loan, for my travel trailer purchase, and now for a large personal loan with continued exceptional services. With the area of branch coverage I am never more than a short drive to any branch to handle all my banking/credit union needs. Thank you.
— Tim (March 2020)

There were timing challenges with the seller and insurance company processing, but GNCU went above and beyond the call of duty to do a great job and help bring the deal together.
— Kimi (November 2019)

The easiest auto loan I’ve ever got!
— Justen (October 2019)

The friendly and efficient pre-approval process I went through with GNCU was a pleasant surprise. I intend to contact GNCU first with my next financing request.
— Michael I. (August 2019)

I spoke with a guy named Brandon, and he was wonderful. I had so many questions about refinancing my car loan, and he was so helpful and went above and beyond to help me out. I wish I had gotten is full name, because he definitely deserves a shout out for wonderful customer service!
— July 2019

The Greater Nevada Team made my loan experience painless, they were knowledgeable and showed great professionalism throughout the experience. Thank you Cindy in Carson and Terri in Sparks.
— July 2019

Cindy was absolutely amazing. She made sure I was comfortable and understood the process. She also found a way to save me a significant amount of money each month while still getting the loan amount I needed. Incredible experience!
— July 2019

The loan process was all handled over the phone and email. The experience was professional and signing all the documents went fast and everything was explained to us in detail.
— June 2019

The loan process was all handled over the phone and email. The experience was professional and signing all the documents went fast and everything was explained to us in detail.
— Kari (June 2019)

Yes! The experience was fantastic! I have never has such a good experience with so little hassle. Also, the service was top notch. Thank You very much.
— May 2019

The best experience for an Auto loan I’ve ever had. Will always use Greater Nevada CU. I highly recommend them. : )
— May 2019

GNCU is the best for customer service. They are very competitive on the rates for auto loans. They automate, do everything by phone and computer which gives them the competitive edge to provide quick turn around without any hassles. Thank you Greater Nevada Credit Union for caring about me! You make a difference.
— Beverly (April 2019)

Greater Nevada is simply amazing. The people are fantastic to work with. I will definitely be working with them again for future business.
— April 2019

Cindy Ceragioli was our loan consultant. She went above and beyond working with us on our auto and rv loans. She was very helpful in making sure we got the best financing. I will recommend her and Greater NV Credit Union to all our family and friends. Thank you Greater NV Credit Union for your awesome service!
— April 2019

Brandon went above and beyond in every aspect. He met our every need, even after normal working hours and ensured our process was error free and as painless as possible with the dealership. I cannot say enough good things about Brandon and our entire loan process. I'm so thankful that our favorite girls, Erika and Surae (at the University branch) recommended Brandon to us for our loan process!
— Elizabeth T. (April 2019)

Alex was amazing! Very helpful, he did the foot work & kept me in the loop!
— April 2019

Greater Nevada is always professional and helpful and I have been very pleased with the rates they’ve given.
— April 2019

The Credit Union is a great place to have a loan, the people are Fantastic!
— March 2019

The best loan experience we have ever had.
— Mary (March 2019)

GNCU is always there for my family and me. Marjorie Shepherd is awesome, always very helpful.
— March 2019

The Credit Union is a great place to have a loan, the people are Fantastic!
— February 2019

I requested this loan as a reduction of payment. The loan was so simple. I had to do nothing. I would have preferred a lower interest rate but all was smooth and I like having my loan with GNCU where I actually pay small amounts as I have extras in my budget. Thanks.
— February 2019

I found a car from a private party I was dying to get. Went to Greater Nevada Credit Union at 10am. Opened an account and applied for an auto loan. By 3:00 that day I had been approved, with funding and was driving my new car. Amazing service!
— January 2019

Greater Nevada does the most they can to see that you get the loan you need to make a better life for you.
— January 2019

Alex is great to work with. 2nd time I've worked with him & would highly recommend him.
— December 2018

We appreciate all the help we received. We love our car and are extremely happy banking here.
— November 2018

Marla who helped me through the loan process was prompt and professional. I had my check in hand within a day and was able to purchase my car the very next day. Thanks for the great service.
— November 2018

Awesome customer service, love having my loans with the credit union.
— Kari (January 2018)
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