One Nevada Credit Union

One Nevada Credit Union has been in operation for 70 years, and in that time Nevada has experienced more economic ups and downs than any other state. This means ONCU is more than prepared to deal with your finances, having aided thousands of locals.

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    How do One Nevada Credit Union auto loans work?

    One Nevada Credit Union has a pretty wide range of interest rates you may end up with, depending on your credit score, among other things. New and used auto loans can fall anywhere between 3.49% and 19.74%.

    Credit score

    Your rate, as you can see above, can end up being alarmingly high or competitively low. This is dependent on your car age, loan term, and of course, credit rating. The worse your credit the higher your interest.

    How much can you borrow?

    At the One Nevada Credit Union, you can finance the whole market value of your new car.

    What types of vehicles are eligible for financing?

    ONCU auto loans cover cars, trucks, SUVs, and vans. There’s also the option for different loans that will cover motorcycles, RVs, boats, and trailers.

    How do I qualify?

    You must be over 18 in order to qualify at One Nevada Credit Union. Also, you’ll need to meet one of the following criteria:

    • You live, work, worship, or attend school in one of the following counties:
      • Clark
      • Nye
      • Washoe
    • You’re an immediate family member of a current One Nevada member

    What documents do I need?

    You'll need the following:

    • Government-issued photo identification
    • Social Security or Tax ID number
    • Proof of Nevada address
    • Valid email address
    • Funding information to make your initial $25 deposit

    What are the fees?

    The website doesn’t state any fees for late repayments but does list fees for other services. While this almost certainly means there are no late fees, you must always confirm this.

    How long does the loan process take?

    The three-step application form will take just a few minutes, and, once approved, the money will be in your account in 7 business days.

    How to apply for an auto loan?

    The easiest way would be to apply online, but you could also go into one of the branches.

    What payment methods are supported?

    You use a credit card or a bank transfer to pay online, and can use these, along with cash or cheque in a branch.

    Pros and Cons


    • No payment for 90 days
    • Coverage of most vehicles for a reasonable price
    • Lots of branches if you prefer to go in


    • You have to live in quite a specific area to join
    • Bad credit means a bad interest rate

    Is One Nevada Credit Union right for you?

    One Nevada is a well-recommended lender that has good ratings. When exploring, you can easily see that it offers some attractive deals and the website is focused on helping the customer. However, the rates aren’t particularly great unless you’ve got a stellar credit rating, and the membership eligibility is strict.

    A similar lender without the downsides would be Consumer Credit Union. This company offers better value and even some of the best auto loans out there. It’s more lenient on those with a poor credit rating, and it services a larger area.