Consumer LendingConsumer Loans

Are you looking to finance that new truck? How about a new side by side to go explore Northern Nevada's open country? What about a sweet camper to spend even more time out in the country? Elko Federal Credit Union would like to help you make this happen. We offer a number of loan options to get what you are looking for. Take a look below and see which one is right for you.
Click the button below to apply for a loan today.

Consumer Loan Application

Loan Rates

All interest rates listed below are annual percentage rates.

New Auto- Back to 2013 with less than 15,000 miles

SCORE

24 MONTHS

36 MONTHS

48 MONTHS

60 MONTHS

72 MONTHS

720+

2.00%

2.25%

2.50%

2.75%

2.99%

680-719

3.00%

3.25%

3.50%

3.75%

4.25%

640-679

3.75%

4.00%

4.25%

4.50%

5.00%

600-639

6.50%

7.00%

7.50%

8.50%

9.50%

580-599

8.50%

10.00%

11.50%

12.50%

NA

UNDER 579

12.50%

15.00%

16.00%

17.00%

NA

Used Auto- 2009 to 2012

SCORE

24 MONTHS

36 MONTHS

48 MONTHS

60 MONTHS

72 MONTHS

720+

2.75%

3.25%

3.75%

4.25%

4.75%

680-719

3.00%

3.50%

4.00%

4.50%

5.50%

640-679

4.00%

4.50%

5.00%

5.50%

7.50%

600-639

7.00%

7.50%

8.00%

9.00%

NA

580-599

11.00%

11.50%

13.50%

14.50%

NA

UNDER 579

14.50%

16.50%

18.00%

NA

NA

New Personal Rvs: Boat, ATV, Motorcycle, Jet Ski, Snowmobile, Horse Trailers, Motorhomes

SCORE

24 MONTHS

36 MONTHS

48 MONTHS

60 MONTHS

72 MONTHS

120 MONTHS

144 MONTHS

180 MONTHS

720+

3.75%

4.25%

4.75%

5.75%

6.00%

6.25%

6.50%

7.00%

680-719

4.25%

4.75%

5.25%

6.25%

6.50%

6.75%

7.00%

7.25%

640-679

4.50%

5.00%

6.50%

7.50%

8.00%

9.75%

11.00%

NA

600-639

7.50%

8.00%

9.50%

10.25%

11.00%

12.00%

NA

NA

580-599*

13.00%

14.50%

16.50%

18.00%

NA

NA

NA

NA

UNDER 579*

14.50%

15.50%

17.50%

N/A

NA

NA

NA

NA

*QUALIFIED GUARANTOR & 25% MINIMUM DOWN PAYMENT REQUIRED FOR A CREDIT SCORE BELOW 620.

Used Personal Rvs: Boat, ATV, Motorcycle, Jet Ski, Snowmobile, Horse Trailers, Motorhomes

SCORE

24 MONTHS

36 MONTHS

48 MONTHS

60 MONTHS

72 MONTHS

84 MONTHS

120 MONTHS

720+

5.50%

6.00%

6.50%

7.50%

7.75%

8.00%

8.25%

680-719

6.00%

6.50%

7.00%

8.00%

8.25%

8.50%

9.00%

640-679

7.25%

7.75%

8.25%

8.75%

9.75%

10.50%

NA

600-639

9.25%

9.75%

10.25%

11.50%

12.25%

NA

NA

580-599*

15.00%

16.50%

17.50%

NA

NA

NA

NA

UNDER 579*

16.00%

17.00%

18.00%

NA

NA

NA

NA

*QUALIFIED GUARANTOR & 25% MINIMUM DOWN PAYMENT REQUIRED FOR A CREDIT SCORE BELOW 620.

Other Collateral- Tracked

SCORE

24 MONTHS

36 MONTHS

48 MONTHS

60 MONTHS

720+

5.00%

6.00%

7.00%

8.00%

680-719

6.00%

7.00%

8.00%

9.00%

640-679

8.00%

9.00%

10.00%

12.00%

600-639

9.00%

11.00%

13.00%

15.50%

580-599

12.00%

14.00%

16.00%

NA

UNDER 579

15.50%

NA

NA

NA

Other Collateral- Not Tracked

SCORE

24 MONTHS

36 MONTHS

48 MONTHS

60 MONTHS

720+

6.00%

7.00%

8.00%

9.00%

680-719

7.00%

8.00%

9.00%

10.00%

640-679

9.00%

10.00%

11.00%

13.00%

600-639

12.00%

14.00%

16.00%

NA

580-599

14.00%

NA

NA

NA

UNDER 579

NA

NA

NA

NA

Personal Loans- Up to $20,000.00

SCORE

24 MONTHS

36 MONTHS

48 MONTHS

60 MONTHS

720+

6.75%

7.75%

8.75%

9.75%

680-719

7.75%

8.75%

9.75%

13.00%

640-679

10.75%

11.75%

12.75%

15.00%

600-639

14.00%

16.00%

18.00%

NA

580-599

16.50%

18.00%

NA

NA

UNDER 579

18.00%

NA

NA

NA

*All loans have no prepayment penalties. Rates and terms are based upon approved credit.