Routing Number: 321280237

Auto Loans

Competitive low rates, exceptional customer service, and flexible warranty options — that’s the difference a Sierra Pacific auto loan makes.

Female nurse driving in car.
Sierra Pacific_Web Graphics_Checking1

New & Used

Brand new or new to you, first car or next car, Sierra Pacific’s new and used vehicle loans provide the financing you need to hit the road.

  • No processing fees, application fees, or prepayment penalties.
  • Pre-approval available online.
  • Apply with Sierra Pacific directly from the dealership

Finding the perfect vehicle takes time, but securing the perfect auto loan is quick and easy at Sierra Pacific.

Apply Now View Rates

Refinance

Love your ride, but not the payment? Refinancing with Sierra Pacific could help you lower your monthly payment, pay your loan off sooner, or even reduce your overall interest rate.

Apply Now
Male worker sitting in large vehicle with one hand on the steering wheel and one hand in his lap.

New and Used Auto Loan Rates

Rates apply to 2017 or newer models if conditions are met.

Last Updated: August 22, 2024

Car with headlights icon

36 Months

as low as

5.24% APR*

Apply Now
Car with headlights icon

48 Months

as low as

5.44% APR*

Apply Now
Car with headlights icon

60 Months

as low as

5.74% APR*

Apply Now
Car with headlights icon

72 Months

as low as

6.04% APR*

Apply Now
Car with headlights icon

84 Months

as low as

6.54% APR*

Apply Now
*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.

WE HAVE HELPED OUR MEMBERS FIND THE PERFECT VEHICLE.

"I applied for a car loan to refinance my vehicle. Ishi called and was very knowledgeable. She opened my account the same day and provided follow-up service. I would highly recommend Sierra Pacific Credit Union."

Jason H.
SPCU Member

"Applied for a car loan and it was handled fast and efficiently. The branch has always been extremely responsive and helpful. I could not be more happy to have our accounts with SPCU."

Junuor C.
SPCU Member

"I applied for a car loan to refinance my vehicle. Ishi called and was very knowledgeable. She opened my account the same day and provided follow-up service. I would highly recommend Sierra Pacific Credit Union."

Jacqueline M.
SPCU Member