AUTO LOANS

Auto Loans With a Trade-in Discount

Being a GECU member has its perks! Get the GECU Auto Trade-in Discount1 when you trade in your vehicle that is currently financed by us for a new or used car and finance with us again.

Auto Trade-in Discount

Our vehicle loan discount comes with more perks

  • A discount on your APR: Get behind the wheel of the car you've been dreaming of, finance again with us and receive a discount on your APR. 
  • Affordable payments: We work hard to make the products and services that you need available to you, including auto loan payments that fit your budget and financial goals!
  • Competitive rates: A low auto loan rate can save you money over the course of time.
  • Flexible terms: We offer a variety of terms that work for your lifestyle — with terms up to 84 months!2

Enjoy this special perk for GECU members! Apply today by calling toll-free at 1.800.772.4328, or by making sure the dealership knows that you want to receive a discount on your auto loan with a trade-in.

We’re Here to Answer Your Auto Loan with Trade-in Discount Questions
  • What is the GECU Auto Trade-in Discount?
    Our auto loan trade-in discount is a rate discount offered to members who trade in their current auto that is financed with us for a new or used auto and finance with us again.
  • What is the discount on the rate?
    The rate on the new vehicle loan may be discounted by up to half a percent or 0.5% APR, but will not be lower than the set floor rate. For additional information on the floor rate, please call us toll-free at 1.800.772.4328.
  • I don’t currently have an auto loan with GECU. Could I still receive the discount?
    You wouldn’t be eligible for our auto trade-in discount but you could still have access to our competitive rates, affordable monthly payments and easy terms.
  • What dealerships does GECU work with?
    We work with many of the local area dealerships within El Paso, Texas, and Las Cruces, New Mexico.
  • Does GECU refinance autos?
    We refinance auto loans4 from other financial institutions and other auto lenders. Contact us today to see if we can save you money by refinancing your current auto loan. Apply to refinance your vehicle loan now or call us with any questions toll-free at 1.800.772.4328.
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. At 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.
284 monthly payments of $13.60 per $1,000 borrowed.
3TruStage® Auto & Home Insurance program is made available through TruStage Insurance Agency, LLC. and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
Disclaimer: GECU does not endorse the organization(s) associated with the TruStage Insurance Programs and, hereby disclaims any responsibility of such organization(s). GECU does not represent either the third party or the member if the two enter into a transaction.
4All 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 apply.
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