AUTO

New & Used Auto Loans

New and Used Auto Loans

Buy your vehicle with confidence — GECU is here to help!

  • Competitive rates: Our decisions come with competitive auto loan1 interest rates on new and used cars, pickups and SUVs.
  • Easy terms: We have different term options available for used and new auto loans.
  • Affordable payments: We work hard to keep your monthly car payment affordable. Calculate your new or used auto loan payment.
  • Any car, anywhere: Visit a local dealership to view their new and used car inventory or find the car you love online — GECU can help you finance the car you want.
  • Get preapproved: Start your search for the perfect new or used vehicle already knowing how much you can afford when you get a preapproved auto loan.
GET AN AUTO LOAN
Man and woman in front of new car

New, Lower Auto Loan Rates! Plus, No Payments for 90 Days.

Now–March 9


Right now is the perfect time to get a GECU Auto Loan with rates as low as 5.99% APR for 48 months* and no payments for 90 days** on any new or used car — including hybrid and electric vehicles! Take advantage of this special offer when you apply for a GECU Auto Loan or ask for GECU financing at the dealership.
APPLY NOW
We’re Here to Answer Your Auto Loan Questions
  • Do you offer used vehicle loans?
    Yes, GECU offers vehicle loans for used and new cars as well as trade-ins.
  • What are the auto loan rates?
    GECU offers competitive auto rates. View our competitive auto loan rates.
  • How do I get started to apply for an auto loan?
    You can apply online now for a new or used auto loan or call us at 1.800.772.4328.
  • Does GECU work with any dealerships?
    When it comes to auto loans, we work with many dealerships throughout Texas and New Mexico. View the list of dealerships we work with.
  • Do you refinance vehicles?
    Yes, we can refinance vehicles that are currently financed with other lenders. We offer competitive auto loan rates.
  • Am I able to have a co-borrower on the car loan?
    Yes, co-borrowers and/or joint applicants are able to apply to be on the loan.
  • I am purchasing a vehicle from a family member/friend, would I be able to get a used auto loan for the purchase?
    Yes, GECU does finance vehicles from person to person. Apply online for a new or used auto loan today.
  • What is LTV?
    LTV stands for loan to value, which is the amount of loan compared to the value of the auto.
  • Do I need a down payment to be approved for a vehicle loan?
    A down payment is determined at the time of application. Some vehicle loans may not require a down payment to be provided.
  • Can I get approved for a new or used auto loan before I pick out my car?
    Yes, we can provide you a preapproved auto loan certificate that you can take to area dealerships for the new or used car loan.

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. Other conditions apply.
*All loans are subject to approval. Rates and terms are based on vehicle year and borrower’s credit qualifications, and are subject to change. 48 monthly payments of $23.53 per $1,000 borrowed at 5.99% APR. Other conditions apply.
**Promotional periods and refinancing do not apply to existing GECU loans. Interest accrues over the 90-day nonpayment period.
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