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Find the Best Car Loans in Las Vegas, NV

If you need a car and can’t buy it outright, you’ll need to apply for a car loan. By negotiating a good deal on your auto loan, you can save money and still drive away in the car you want. We researched the best car loans in Las Vegas to find the lowest rates for your purchase.

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Compare Top Mortgage Lenders

#1 OUR FAVORITE
LightStream
  • Funds deposited directly to your account
  • Loans from $5,000 - $100,000
  • Visit website for customer service
  • Available in Las Vegas

Loans for practically anything!

Location
Services available in
Las Vegas, NV
No phone available
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#2
Auto Approve
  • Individual loan consultants
  • Online loan calculator
  • Apply online
  • Available in Las Vegas
Location
Services available in
Las Vegas, NV
(844) 946-7334
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#3
LendingTree
Overall satisfaction rating
  • Read lender reviews from other consumers
  • Compare rates from multiple lenders
  • Available in Las Vegas
  • Compare prices & coverage

This online broker allows consumers and businesses to request and compare customized loan offers from a network of more than 350 lenders, banks and credit partners. The company's lender network offers a wide range of financial products including mortgages.

Location
Services available in
Las Vegas, NV
(800) 555-8733
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#4
myAutoloan.com
  • Online payment available
  • Find your perfect lender
  • Available in Las Vegas
  • Interest rate calculator online
Location
Services available in
Las Vegas, NV
(214) 540-3350
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#5
Capital One
  • Check your loan status online
  • Available in Las Vegas
  • Over 12,000 eligible dealers
  • Auto loan calculators available
Location
Services available in
Las Vegas, NV
(800) 689-1789
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Navy Federal Credit Union
  • M-F: 9am - 5:30pm
  • Sat: 9am - 4pm
  • Closed Sun
  • navyfederal.org
Location
6311 N. Decatur Blvd., Ste. 110
Las Vegas, NV 89130
(888) 842 - 6328
America First Credit Union
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • americafirst.com
Location
3846 W. Sahara Ave.
Las Vegas, NV 89102
(702) 968 - 1100
Bank of the West
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • bankofthewest.com
Location
9021 W. Sahara Ave.
Las Vegas, NV 89117
(702) 304 - 1050
One Nevada Credit Union
  • M-F: 10am - 6pm
  • Closed Sat and Sun
  • onenevada.org
Location
9320 W. Flamingo Rd., Ste. 1
Las Vegas, NV 89147
(702) 457 - 1000
Chase Bank
  • M-F: 9am - 6pm
  • Sat: 9am - 2pm
  • Closed Sun
  • autofinance.chase.com
Location
9151 W. Sahara Ave. Ste. 100
Las Vegas, NV 89117
(702) 562 - 1380
Mountain America Credit Union
  • M-F: 9am - 6pm
  • Sat: 9am - 2pm
  • Closed Sun
  • macu.com
Location
7280 W. Lake Mead Blvd.
Las Vegas, NV 89128
(702) 251 - 5750
Credit Union 1
  • M-Th: 8:30am - 5pm
  • F: 8:30am - 6pm
  • Sat: 8:30am - 12pm
  • creditunion1.org
Location
9004 W. Sahara Ave.
Las Vegas, NV 89117
(800) 252 - 6950

How to get an auto loan in Las Vegas

skyline

When you need a car loan, you have multiple options in Las Vegas. You can apply for financing through a dealership, or you can get pre-approval from a bank, credit union or online lender. Pre-approval allows you to compare and agree to loan offers before shopping for a car.

A pre-approval means that a bank or lending company agrees to finance your loan before you get your vehicle. Getting pre-approved for your car loan isn’t a necessity, but it will put you in a better negotiating position at a dealership. You can budget appropriately by knowing how much you can borrow. Consider the cost of your tag, title and fees and how much you can spend on a down payment.

Get approved for an auto loan in Las Vegas

Lenders look at your credit score to determine your loan eligibility and annual percentage rate. Higher interest rates increase the total cost of the loan.

Borrowers are often sorted by credit score. These categories help lenders decide what APR to apply to the loan. Here’s a typical distribution of APR based on credit score:

Credit score Used car loan APR Perks
781 - 850 3 - 4% 2 - 3%
661 - 780 5 - 6% 3 - 4%
601 - 660 9 - 10% 6 - 7%
501 - 600 15 - 16% 10 - 11%

Loan terms vary, but most are 36 - 60 months, with some even longer. In 2016, the average loan term for a new car was 68 months, while used car loans were shorter. Longer terms typically get lower premiums, but a higher total cost for the loan.

Some loans don’t require it, but making a significant down payment helps with getting approved. It also reduces your monthly payments and the total amount of your loan.

How to apply for a car loan in Las Vegas

Applying for a car loan in Las Vegas is a simple process. Each lender has its requirements to prove you can repay the loan. Expect to provide:

  • Proof of income: You need to demonstrate that you have a reliable income. Lenders usually accept pay stubs or bank statements.
  • Proof of address: Lenders want to know where you live in case you don’t pay your bill. Your proof could be a utility bill or lease agreement.
  • Proof of insurance: You need auto insurance before you drive off the lot with your new car.

Getting a car loan with bad credit in Las Vegas

Las Vegas drivers might be able to get a car loan with bad credit, especially if they make at least $1,800 a month. However, lenders offer steep interest rates to borrowers with a low credit score or no credit history. People with bad credit can improve the terms of their loans by:

  • Making a larger down payment
  • Getting a co-signer with good credit
  • Waiting until their credit improves to borrow
  • Refinancing once their credit improves

It’s worth your time to shop around before choosing a lender. Some online lenders are more willing to work with bad credit borrowers than others.

Car Loans Reviews

LightStream

LightStream digital applications let borrowers with good credit control their mostly digital car loan process. Borrowers might even be able to receive same-day funding, which helps Las Vegas drivers who need a car fast. The loans range from $5,000 to $100,000. Online reviews note that LightStream offers extremely reasonable rates.

LightStream

Auto Approve

A high-interest auto loan is a heavy burden. Las Vegas residents who want to refinance their loans can apply with Auto Approve. Refinancers might be able to work out a lower interest rate as well as lower monthly payments, the first of which won’t be due for 45 days. Customers appreciated how much money they saved.

Auto Approve

LendingTree

Drivers in the Las Vegas area take advantage of LendingTree’s online auto calculator, which provides an estimate of your monthly loan payments. After consumers submit their application, they can view multiple loan offers and even look at the financing rates for specific vehicles. Customers report that the process is simple.

LendingTree

myAutoloan.com

myAutoloan presents drivers with potential car loan offers and lets them sort through each lender’s terms with no obligation to sign a deal. Consumers can apply for a loan 24 hours a day because everything they complete is online. According to many Las Vegas reviewers, the application process is fast, simple and free.

myAutoloan.com

Capital One

Las Vegas drivers can pre-qualify for a car loan from Capital One in just a few minutes. Borrowers on Capital One’s easy-to-use website can browse through available vehicles and use the Auto Navigator to negotiate their financing deal and choose personalized options. Applicants liked the convenience of the process overall.

Capital One