Auto

Auto Loan Refinancing

Refinance your current auto loan1 with GECU when your credit score improves. Apply now!

Auto Refinance

See how refinancing could help you!

  • Celebrate your improved credit: When your credit score increases, you could enjoy benefits that help you save money over the life of your loan.
  • Lower your monthly payment: Extending your loan term could help you make a lower payment each month.
  • Shorten the term of your loan: We offer a variety of auto loan terms that work for you and your goals.
  • Save money in interest: Get a lower interest rate and save money over the life of your vehicle loan.
  • Refinance with confidence: We’re here to help you refinance your auto loan quickly and securely.
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GECU AUTO LOAN¹ REFINANCING


With an improved credit score, you may qualify for benefits that can help you save money over the life of your loan. Refinancing is also available for existing GECU Auto Loans — get started now!
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Refinance your Auto Loan with Confidence

Auto loan resources

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Financial advising

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We’re Here to Answer Your Auto Refinance Questions
  • How can I apply to refinance my vehicle?
    You can apply online now to refinance your vehicle or by calling us toll-free at 1.800.772.4328.
  • What are the rates if I want to refinance my vehicle?
    Find our competitive auto loan rates here.
  • How soon can I refinance my auto loan?
    You can apply to refinance your auto loan as soon as the loan is first finalized.
  • If my auto loan currently has a co-borrower, am I able to refinance the loan under only my name?
    Yes, as long as you meet income and credit qualifications, you should be able to refinance the loan under your name only.
  • How often can I refinance my auto loan?
    You can apply to refinance your auto loan as needed, but keep in mind that every credit application affects your credit score. GECU loan officers are available to discuss your options. Contact us today toll-free at 1.800.772.4328.
  • Can I refinance my existing GECU Auto Loan?
    Yes, you can apply to refinance an existing GECU Auto Loan but promotional rates may not apply. Apply to refinance your auto loan online or contact us today toll-free at 1.800.772.4328 to discuss your options.
  • Do I have to extend my term if I refinance my auto loan?
    Your qualifications and goals will determine if the term needs to be extended.
  • If I decide to pay off my auto loan early, is there a prepayment penalty?
    GECU does not impose prepayment penalties.

Disclosures

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Membership eligibility is required.
1All loans are subject to approval. Rates and terms are based on vehicle year and borrower’s credit qualifications and are subject to change. Promotional rates and refinancing do not apply to existing GECU loans. Other conditions and limitations apply.
2At least one applicant must be on the currently financed GECU auto loan to receive a discount on a new auto loan rate. Other conditions apply.
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