Consumer 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 | |
*Application not applicable to Visa lines of credit
|
Loan Rates
All interest rates listed below are annual percentage rates. All loans have no prepayment penalties. Rates and terms are based upon approved credit. For additional rates and terms please contact a Loan Sales Specialist.
SCORE |
24 MONTHS |
36 MONTHS |
48 MONTHS |
60 MONTHS |
---|---|---|---|---|
720+ |
2.75% |
3.00% |
3.25% |
3.50% |
680-719 |
3.25% |
3.50% |
3.75% |
4.00% |
640-679 |
4.50% |
4.75% |
5.00% |
5.25% |
600-639 |
7.25% |
7.50% |
7.75% |
8.00% |
580-599 |
9.25% |
9.50% |
9.75% |
10.00% |
UNDER 579 |
13.25% |
13.50% |
13.75% |
14.00% |
SCORE |
24 MONTHS |
36 MONTHS |
48 MONTHS |
60 MONTHS |
---|---|---|---|---|
720+ |
3.50% |
3.75% |
4.00% |
4.25% |
680-719 |
4.00% |
4.25% |
4.50% |
4.75% |
640-679 |
5.25% |
5.50% |
5.75% |
6.00% |
600-639 |
8.00% |
8.50% |
9.00% |
10.00% |
580-599 |
12.00% |
12.50% |
14.50% |
15.50% |
UNDER 579 |
15.50% |
17.50% |
18.00% |
NA |
SCORE |
24 MONTHS |
36 MONTHS |
48 MONTHS |
60 MONTHS |
---|---|---|---|---|
720+ |
4.75% |
4.75% |
4.75% |
5.00% |
680-719 |
5.25% |
5.25% |
5.25% |
5.50% |
640-679 |
6.50% |
6.50% |
6.50% |
6.75% |
600-639 |
9.75% |
9.75% |
9.75% |
10.25% |
580-599* |
15.25% |
15.25% |
15.25% |
15.75% |
UNDER 579* |
16.75% |
16.75% |
16.75% |
N/A |
*QUALIFIED GUARANTOR & 25% MINIMUM DOWN PAYMENT REQUIRED FOR A CREDIT SCORE BELOW 620.
SCORE |
24 MONTHS |
36 MONTHS |
48 MONTHS |
60 MONTHS |
---|---|---|---|---|
720+ |
6.25% |
6.75% |
7.25% |
8.25% |
680-719 |
6.75% |
7.25% |
7.75% |
8.75% |
640-679 |
8.00% |
8.50% |
9.00% |
9.50% |
600-639 |
11.25% |
11.25% |
11.25% |
11.75% |
580-599* |
16.00% |
16.50% |
17.00% |
NA |
UNDER 579* |
17.00% |
17.50% |
18.00% |
NA |
*QUALIFIED GUARANTOR & 25% MINIMUM DOWN PAYMENT REQUIRED FOR A CREDIT SCORE BELOW 620.
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% |
10.75% |
640-679 |
9.75% |
10.75% |
11.75% |
12.75% |
600-639 |
10.75% |
11.75% |
12.75% |
13.75% |
580-599 |
13.75% |
14.75% |
15.75% |
NA |
UNDER 579 |
17.25% |
NA |
NA |
NA |
SCORE |
24 MONTHS |
36 MONTHS |
48 MONTHS |
60 MONTHS |
---|---|---|---|---|
720+ |
7.75% |
8.75% |
9.75% |
10.75% |
680-719 |
8.75% |
9.75% |
10.75% |
11.75% |
640-679 |
10.75% |
11.75% |
12.75% |
13.75% |
600-639 |
13.75% |
14.75% |
15.75% |
NA |
580-599 |
15.75% |
NA |
NA |
NA |
UNDER 579 |
NA |
NA |
NA |
NA |
SCORE |
24 MONTHS |
36 MONTHS |
48 MONTHS |
60 MONTHS |
---|---|---|---|---|
720+ |
7.25% |
8.25% |
9.25% |
10.25% |
680-719 |
8.25% |
9.25% |
10.25% |
11.25% |
640-679 |
11.25% |
12.25% |
13.25% |
14.25% |
600-639 |
14.50% |
15.50% |
16.50% |
NA |
580-599 |
17.00% |
18.00% |
NA |
NA |
UNDER 579 |
18.00% |
NA |
NA |
NA |