Best Personal Loan Rates in Sparks, Nevada (NV) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Nevada borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Sparks, Nevada include: Great Basin Federal Credit UnionGreat Basin Federal Credit Union381 Los Altos Pkwy, Sparks, NV, 89436 7731A5.0 ★Texas Ratio: 8.76% offering Loan Amount / Term to $14,999 at 4.25% APR, America First Federal Credit UnionAmerica First Federal Credit Union1440 E Lincoln Way, Sparks, NV, 89434A5.0 ★Texas Ratio: 8.12% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union700 Los Altos Pkwy, Sparks, NV, 89436 7753A5.0 ★Texas Ratio: 11.38% offering Construction loan at 7.25% APR, Greater Nevada Credit UnionGreater Nevada Credit Union1101 Los Altos Pkwy, Sparks, NV, 89436F1.0 ★Texas Ratio: 83.06% offering Land Loan at 7.50% APR, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Sparks has 4 local institutions in our database, with personal loan rates as low as 4.25% APR from Great Basin Federal Credit Union at 381 Los Altos Pkwy, Sparks, NV, 89436 7731. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Sparks, Nevada.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sparks, Nevada. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 11, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $14,999
4.25%
▼
APR4.25%
Last UpdatedApril 12, 2026
Details
$10,000; Max. Term 60 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $9,999
4.25%
▼
APR4.25%
Last UpdatedApril 12, 2026
Details
$5,000; Max. Term 48 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $14,999
4.75%
▼
APR4.75%
Last UpdatedApril 12, 2026
Details
$10,000; Max. Term 60 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $9,999
4.75%
▼
APR4.75%
Last UpdatedApril 12, 2026
Details
$5,000; Max. Term 48 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $24,999
6.00%
▼
APR6.00%
Last UpdatedApril 12, 2026
Details
$15,000; Max. Term 72 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $24,999
6.25%
▼
APR6.25%
Last UpdatedApril 12, 2026
Details
$15,000; Max. Term 72 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term
6.50%
▼
APR6.50%
Last UpdatedApril 12, 2026
Details
Over $25,000; Max. Term 84 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term
6.75%
▼
APR6.75%
Last UpdatedApril 12, 2026
Details
Over $25,000; Max. Term 84 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $14,999
6.75%
▼
APR6.75%
Last UpdatedApril 12, 2026
Details
$10,000; Max. Term 60 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $9,999
6.75%
▼
APR6.75%
Last UpdatedApril 12, 2026
Details
$5,000; Max. Term 48 Months
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1440 E Lincoln Way, Sparks, NV, 89434
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedApril 12, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1440 E Lincoln Way, Sparks, NV, 89434
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedApril 12, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1440 E Lincoln Way, Sparks, NV, 89434
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedApril 12, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
700 Los Altos Pkwy, Sparks, NV, 89436 7753
Construction loan
7.25%
▼
APR7.25%
Last UpdatedApril 12, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1440 E Lincoln Way, Sparks, NV, 89434
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedApril 12, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1440 E Lincoln Way, Sparks, NV, 89434
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedApril 12, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1440 E Lincoln Way, Sparks, NV, 89434
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedApril 12, 2026
Details
As Low As
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
1101 Los Altos Pkwy, Sparks, NV, 89436
Land Loan
7.50%
▼
APR7.50%
Last UpdatedApril 12, 2026
Details
As Low As
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $24,999
8.25%
▼
APR8.25%
Last UpdatedApril 12, 2026
Details
$15,000; Max. Term 72 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
Over $25,000; Max. Term 84 Months
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1440 E Lincoln Way, Sparks, NV, 89434
Renovation Loan
9.31%
▼
APR9.31%
Last UpdatedApril 12, 2026
Details
As Low As
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $14,999
10.75%
▼
APR10.75%
Last UpdatedApril 12, 2026
Details
$10,000; Max. Term 60 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $9,999
10.75%
▼
APR10.75%
Last UpdatedApril 12, 2026
Details
$5,000; Max. Term 48 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Energy Saver Loan
11.89%
▼
APR11.89%
Last UpdatedApril 12, 2026
Details
No additional details available.
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $24,999
12.25%
▼
APR12.25%
Last UpdatedApril 12, 2026
Details
$15,000; Max. Term 72 Months
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1440 E Lincoln Way, Sparks, NV, 89434
PERSONAL
12.49%
▼
APR12.49%
Last UpdatedApril 12, 2026
Details
As Low As; Fixed
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Lifestyle Loans
12.89%
▼
APR12.89%
Last UpdatedApril 12, 2026
Details
No additional details available.
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term
13.25%
▼
APR13.25%
Last UpdatedApril 12, 2026
Details
Over $25,000; Max. Term 84 Months
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
1101 Los Altos Pkwy, Sparks, NV, 89436
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedApril 12, 2026
Details
As Low As
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $14,999
15.75%
▼
APR15.75%
Last UpdatedApril 12, 2026
Details
$10,000; Max. Term 60 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $9,999
15.75%
▼
APR15.75%
Last UpdatedApril 12, 2026
Details
$5,000; Max. Term 48 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term
16.25%
▼
APR16.25%
Last UpdatedApril 12, 2026
Details
Over $25,000; Max. Term 84 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $24,999
16.25%
▼
APR16.25%
Last UpdatedApril 12, 2026
Details
$15,000; Max. Term 72 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $14,999
16.75%
▼
APR16.75%
Last UpdatedApril 12, 2026
Details
$10,000; Max. Term 60 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $9,999
16.75%
▼
APR16.75%
Last UpdatedApril 12, 2026
Details
$5,000; Max. Term 48 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term
17.25%
▼
APR17.25%
Last UpdatedApril 12, 2026
Details
Over $25,000; Max. Term 84 Months
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
381 Los Altos Pkwy, Sparks, NV, 89436 7731
Loan Amount / Term to $24,999
17.25%
▼
APR17.25%
Last UpdatedApril 12, 2026
Details
$15,000; Max. Term 72 Months
APR4.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 12, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 12, 2026
Details
As Low As
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Classroom Supply Loan2
4.99%
▼
APR4.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedApril 12, 2026
Details
This APR will vary with the market based on the dividend rate.
USAA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
VA Interest Rate Reduction Refinance Loan, or IRRRL
5.73%
▼
APR5.73%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR5.93%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR6.08%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR6.57%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR6.70%
Last UpdatedApril 12, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 12, 2026
Details
As Low As
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Educator Loan3
6.99%
▼
APR6.99%
Last UpdatedApril 12, 2026
Details
No additional details available.
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Advanced Curriculum Loan
6.99%
▼
APR6.99%
Last UpdatedApril 12, 2026
Details
As Low As
Churchill County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedApril 12, 2026
Details
As Low As; Loan Term: 24-84 Months
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Power Sport Loans
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Personal Term Loan - 12 months
7.99%
▼
APR7.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan
8.25%
▼
APR8.25%
Last UpdatedApril 12, 2026
Details
As Low As
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan A
8.25%
▼
APR8.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan B
8.25%
▼
APR8.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Retirement Credits Personal Loan
8.49%
▼
APR8.49%
Last UpdatedApril 12, 2026
Details
As Low As
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Personal Term Loan - 24 months
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
As Low As
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan B
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan A
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan A
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan B
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Personal Term Loan - 36 months
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 12, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 12, 2026
Details
As Low As
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Personal Term Loan - 48 months
9.00%
▼
APR9.00%
Last UpdatedApril 12, 2026
Details
As Low As
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan A
9.50%
▼
APR9.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan B
9.50%
▼
APR9.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Personal Term Loan - 60 months
9.50%
▼
APR9.50%
Last UpdatedApril 12, 2026
Details
As Low As
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan A
9.75%
▼
APR9.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan B
9.75%
▼
APR9.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Personal/Unsecured
9.99%
▼
APR9.99%
Last UpdatedApril 12, 2026
Details
As Low As
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
As Low As
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Personal Term Loan - 72 months
11.00%
▼
APR11.00%
Last UpdatedApril 12, 2026
Details
As Low As
APR11.75%
Last UpdatedApril 12, 2026
Details
Rate = Rates are determined by individual credit standing, collateral age, collateral value, and loan term. Rates may differ.
APR11.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR12.49%
Last UpdatedApril 12, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Signature Loans
12.99%
▼
APR12.99%
Last UpdatedApril 12, 2026
Details
As Low As; Flexible terms available.; No collateral required.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan C
13.25%
▼
APR13.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan C
13.50%
▼
APR13.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Personal Lines of Credit
13.74%
▼
APR13.74%
Last UpdatedApril 12, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 12, 2026
Details
As Low As
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Unsecured Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 12, 2026
Details
As Low As; Unsecured terms up to 72 months
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan C
13.75%
▼
APR13.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan C
14.00%
▼
APR14.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan C
14.25%
▼
APR14.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Signature Loan
14.48%
▼
APR14.48%
Last UpdatedApril 12, 2026
Details
As Low As; As low as 12.99% APR
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 12, 2026
Details
As Low As
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan D
15.25%
▼
APR15.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan D
15.50%
▼
APR15.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan D
15.75%
▼
APR15.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan D
16.00%
▼
APR16.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Signature Loan
16.20%
▼
APR16.20%
Last UpdatedApril 12, 2026
Details
As Low As; As low as 15.74% APR
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan D
16.25%
▼
APR16.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Signature Loan
16.65%
▼
APR16.65%
Last UpdatedApril 12, 2026
Details
As Low As; As low as 15.49% APR
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan E
17.50%
▼
APR17.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Greater Nevada Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 83.06%
1101 Los Altos Pkwy, Sparks, NV, 89436
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedApril 12, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 12, 2026
Details
As Low As
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Retirement Credits Personal Loan
8.49%
▼
APR8.49%
Last UpdatedApril 12, 2026
Details
As Low As
Silver State Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 12, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 12, 2026
Details
As Low As
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Unsecured Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 12, 2026
Details
As Low As; Unsecured terms up to 72 months
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 12, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR8.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan
8.25%
▼
APR8.25%
Last UpdatedApril 12, 2026
Details
As Low As
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan A
8.25%
▼
APR8.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan B
8.25%
▼
APR8.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan A
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan B
8.50%
▼
APR8.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan A
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan B
8.75%
▼
APR8.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan A
9.50%
▼
APR9.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan B
9.50%
▼
APR9.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan A
9.75%
▼
APR9.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan B
9.75%
▼
APR9.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
APR11.75%
Last UpdatedApril 12, 2026
Details
Rate = Rates are determined by individual credit standing, collateral age, collateral value, and loan term. Rates may differ.
APR11.99%
Last UpdatedApril 12, 2026
Details
As Low As
APR12.49%
Last UpdatedApril 12, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Signature Loans
12.99%
▼
APR12.99%
Last UpdatedApril 12, 2026
Details
As Low As; Flexible terms available.; No collateral required.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan C
13.25%
▼
APR13.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan C
13.50%
▼
APR13.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan C
13.75%
▼
APR13.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan C
14.00%
▼
APR14.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan C
14.25%
▼
APR14.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Signature Loan
14.48%
▼
APR14.48%
Last UpdatedApril 12, 2026
Details
As Low As; As low as 12.99% APR
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan D
15.25%
▼
APR15.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan D
15.50%
▼
APR15.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan D
15.75%
▼
APR15.75%
Last UpdatedApril 12, 2026
Details
No additional details available.
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan D
16.00%
▼
APR16.00%
Last UpdatedApril 12, 2026
Details
No additional details available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Signature Loan
16.20%
▼
APR16.20%
Last UpdatedApril 12, 2026
Details
As Low As; As low as 15.74% APR
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan D
16.25%
▼
APR16.25%
Last UpdatedApril 12, 2026
Details
No additional details available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
Signature Loan
16.65%
▼
APR16.65%
Last UpdatedApril 12, 2026
Details
As Low As; As low as 15.49% APR
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loan E
17.50%
▼
APR17.50%
Last UpdatedApril 12, 2026
Details
No additional details available.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Sparks, NV currently.
Sparks, NV Personal Loan Rate Trends
Compare local Sparks, NV personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — NV Avg
11.630%
▲ 1.487 vs 7 days ago
Nevada personal loan rates rose 1.487 points over the past 7 days to 11.630% APR.
Signature Loan — NV Avg
12.019%
▲ 0.119 vs 7 days ago
Nevada signature loan rates rose 0.119 points over the past 7 days to 12.019% APR.
As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Nevada?
Most lenders in Sparks, Nevada require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Nevada often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Sparks, Nevada require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Nevada?
Yes. Debt consolidation is one of the most common uses of personal loans in Sparks, Nevada. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Sparks, Nevada?
Credit unions in Sparks, Nevada often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Sparks, Nevada?
- Great Basin Federal Credit Union: 4.25% (Loan Amount / Term to $14,999)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Mountain America Federal Credit Union: 7.25% (Construction loan)
- Greater Nevada Credit Union: 7.50% (Land Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sparks, Nevada. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 11, 2026.
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