Auto Loans and Refinancing

You can apply online now to get an auto loan or by calling us toll-free at 1.800.772.4328.

You can find our competitive auto loan rates here.

When you’re ready to start car shopping, GECU is here for you. Check our current GECU auto loan rates when deciding between a new and used vehicle. From there, you can calculate an approximate payment to ensure that the vehicle you want fits your budget.

Know how much vehicle you can afford when you get preapproved for your GECU Auto Loan with our online application or call us at 1.800.772.4328. We are ready to assist you in financing a vehicle and answer any questions you may have about the process.

Auto loans allow you to purchase a vehicle. You can apply to get preapproved or get approved to purchase a specific vehicle or to get an idea of the amount of money you can spend on a car. When getting a loan approved, the lender will provide the terms of the loan, including the interest rate, monthly payment and length of the loan. Auto loan rates and terms are based on the vehicle's year and your credit qualifications and are subject to change. If you agree to the initial terms and haven’t found a vehicle yet, it’s time to go shopping. Once the vehicle is selected, your application may be updated based on the vehicle’s details before it is finalized. The finalized loan is disbursed, either to the dealership or directly to the seller, to pay for the vehicle. After this, you will begin making regular payments on the loan. Payments continue until the loan is paid off, then the vehicle is yours free and clear.

Complete our simple online application to apply to get preapproved for your new or used vehicle today.

GECU financial coaches are available to answer any questions and meet with you to go over credit and budgeting. Contact us today by calling 1.800.772.4328.

GECU may request a valid form of identification, proof of income and other documents as needed.

GECU responds to applications as quickly as possible. Our goal is to get you an answer within 24 business hours from the time you applied.

GECU has periodic rate promotions. The GECU Auto Trade-in Discount² is available to those who currently have an auto loan with GECU and trade it in for another auto loan with GECU.

GECU mails vehicle titles about 20 days after the loan has been paid off.

Yes, GECU does provide loans for RVs, ATVs, and other recreational vehicles.

Yes, we do offer auto loans for those purchasing a vehicle from person to person.

Make transfers from your accounts at other financial institutions to your GECU loan accounts. One-time funds transfer or loan payments from an external account are charged up to a $15 convenience fee. Learn more about making transfers or loan payments from an external account or call toll-free at 1.800.772.4328.

You can access your credit score using SavvyMoney³ in GECU Online Banking or the GECU Mobile App!⁴ Enroll now and see how SavvyMoney can help you!

• Access your credit score and report
• Set up credit-monitoring alerts
• Get tips to improve your credit
• Learn how to manage your credit and finances
• Browse through financial education resources

HOW TO ENROLL IN SAVVYMONEY

1. Log in to GECU Online Banking or the mobile app.
2. Find the credit score widget in online banking and click “Show my score” or tap the “More” button in the mobile app and tap “Credit Score.”
3. Opt in and agree to the terms and conditions.
4. Start monitoring your credit score!

Your credit score is based on the information in your credit report. Lenders may use this to determine how likely you are to repay a loan. To view your credit score, enroll with SavvyMoney now.