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Trust EFCU to provide new or used auto loans that boast flexible terms, competitive interest rates, and a range of convenient choices for your upcoming purchase or refinancing needs.

EFCU Auto Loans

More Than A Transaction

At EFCU, we're about more than transactions; we're about relationships. Our competitive auto loans are designed to match your unique financial needs, making vehicle financing affordable and tailored. Whether it's a brand-new model or a dependable pre-owned car, EFCU provides financing solutions that ensure confidence in your purchase or refinance. Choose us as your trusted partner for a hassle-free journey to your next vehicle, allowing us to handle the finances while you enjoy the ride.

A man driving a car with his dog in the back seat
New & Used Car Loans

At EFCU, we understand the thrill of hitting the open road in a new or used vehicle. That's why we're committed to helping you secure the auto loan you need to make those dreams a reality. Whether you're eyeing a sleek new model or a reliable used car, our streamlined process and competitive rates ensure that you get behind the wheel with confidence.

New Vehicles

  • Finance up to 100% of the purchase price
  • Terms up to 84 months

Pre-Owned Vehicle Financing

  • For vehicles up to five years old, finance up to 100% based on low book value
  • For vehicles older than five years, choose terms up to 72 months
  • Financing for classic vehicles is also available




A man removing a tent from his car prior to starting a hike.
Refinance Your Existing Loan

Experience the freedom of financial flexibility with EFCU's exceptional auto loan rates. Whether you're looking to lower your interest rate, extend your loan term, or simply decrease your monthly expenditure, we're here to guide you every step of the way. Consider the opportunity to refinance your vehicle with us and unlock a world of potential savings.  Together, we can explore new avenues that could significantly reduce your monthly payments and enhance your overall financial well-being. 

  • Lower Interest Rates

  • Reduced Monthly Payments

  • Flexible Terms

  • Improved Credit Score

  • Convenient Process

(Please note, loans originally financed through EFCU cannot be refinanced.)



EFCU Auto Loans

Loans For First-Time Buyers

Considering your first car purchase? Explore our exclusive plan for First-time Car Buyers to discover the ways in which EFCU can support your financing needs!

Loans available up to $15,000 with down payment requirement based on borrower’s time of employment. No credit score, no problem. These loans are designed to help those getting established with their first car purchase. 



For extra peace of mind when you need it most, protect your auto investment with GAP Insurance from EFCU. In the event your vehicle is stolen or damaged beyond repair (totaled), GAP Insurance covers any difference between what your regular auto insurance policy covers and the balance of your auto loan to waive your unpaid auto loan balance.

GAP Insurance also:

  • Provides $1,000 toward the financing of your replacement vehicle with EFCU
  • Is available on new or existing loans with loans terms up to 7 years
  • Comes with Auto Deductible Reimbursement for FREE from EFCU! (This reimburses your insurance deductible for three years, twice a year.)

To learn more or to set up your GAP Insurance policy, call us at 775.738.4083 or come by any branch.


Not A Member Yet?

Great local service is just the beginning of the incredible benefits you'll enjoy as a member of EFCU. From competitive interest rates to personalized member service, we go above and beyond to meet your financial needs. So why wait any longer? Join EFCU today and experience the difference for yourself!