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 driving car with cat passenger

REFINANCE NOW

Auto Loan Rates as Low as 4.99% APR* for 48 Months

NOW–JULY 7


Create new adventures when you refinance your auto loan with GECU! When your credit score increases, 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!
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. Promotional periods and refinancing do not apply to existing GECU loans. Interest accrues over the 90-day nonpayment period. 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. Other conditions apply. 48 monthly payments of $23.07 per $1,000 borrowed at 4.99% APR.
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