Auto Loans

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Auto Loans

As Low As 6.25% APR!*

Increase your cash flow with a competitive auto loan rate and no payments up to 90 days!1

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When you finance your vehicle with GFCU, you’ll enjoy:

  • Fast decisions
  • Competitive, fixed rates as low as 6.25% APR*
    • This includes a rate discount of 0.25% when you set up automatic payments through your MyAdvantage Checking account!
  • No payments up to 90 days1

Auto Rates

Auto Rates for 2023 and Newer Year Models

TermAPR (As low as)*
60 Months6.25%
72 Months6.25%
84 Months6.50%

*APR is Annual Percentage Rate. Rates listed include a discount of 0.25%, which may be applied to new and used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking account at time of closing. APR is effective as of 04/11/2024. Payment Example: For a $30,000 loan for a term of 60 months with a 6.25% APR, the monthly payment will be $580.80.

Used Auto Rates for 2014-2022 Year Models

TermAPR (As low as)*
60 Months6.25%
72 Months6.25%
84 Months6.50%

*APR is Annual Percentage Rate. Rates listed include a discount of 0.25%, which may be applied to new and used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking account at time of closing. APR is effective as of 04/11/2024. Payment Example: For a $30,000 loan for a term of 60 months with a 6.25% APR, the monthly payment will be $583.48.

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*This online calculator is for illustration purposes only and its applicability to your own circumstances is not guaranteed. Rates and terms vary.

AutoSMART

Use AutoSMART to find, research and apply for your next vehicle. With Generations’ AutoSMART auto-finder website, you can:

  • Search from hundreds of local dealerships
  • Calculate your payments
  • Read reviews
  • Look up any vehicle on Black Book and NADA Guides

When you find a vehicle you’re interested in, contact the dealership to schedule a test drive or apply for auto financing with GFCU directly from AutoSMART.

VISIT AUTOSMART NOW

Vehicle Protection Options

Experience peace of mind with optional services:

  • Guaranteed Asset Protection (GAP) Advantage absorbs costs that your insurance policy doesn’t cover if your vehicle is totaled.
  • Major Mechanical Protection (MMP) keeps you protected after your manufacturer’s warranty expires.

Learn More About Protecting Your Vehicle

What You Need To Know About Auto Refinancing

An auto loan refinance can put more than just a few extra dollars in your wallet each month. Auto loan refinancing can save you hundreds of dollars in the long run. Before you refinance your auto loan, here’s what you need to know.

Read More
Car Buying Tips

Financing a vehicle can feel a bit like ordering off one of those 15-page bulky restaurant mega menus. You have an idea of what you’re looking for before you get there, but once it’s time to review your options and make a decision, you’re suddenly debating all the choices in front of you. Did I pick the right place? Am I getting the best deal here for what I want? How can I really be sure when there are so many options to consider? Here are a few car buying tips we recommend.

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Questions? Get Contacted:

*APR is Annual Percentage Rate. Rates effective 04/11/2024. Rate of 6.25% APR includes a rate discount of 0.25% applied to new and used auto loans when enrolled in automatic payments from a MyAdvantage Checking account with a loan term up to 60 months.

All loans are subject to approval. Rates, terms, and conditions are subject to change.

1Conditions do apply in order for an auto loan to receive the 90-day payment deferral option and not all loans will qualify. Interest will continue to accrue through the deferred payment period. Refinances of existing GFCU auto loans are not eligible for the 90-day first payment deferral or the autopay rate discount. Additionally, a $75 fee will be assessed for any refinance of an existing GFCU auto loan.

Payment Example: For a $30,000 loan for a term of 60 months with a 6.25% APR, the monthly payment will be $580.80.