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. Loan payments can be made within Online Banking simply by transferring the payment from your Checking/Savings account to the loan. Principal Only payments will not register in the system as a monthly payment. If you are looking to pay the loan off, please call and speak to one of our loan officers to get the loan payoff amount before processing the payment.

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.