AUTO LOANS

Auto Loans and Refinancing

We’re here to help you get to where you need to go! Get an auto loan1 for the new or used vehicle that you’ve been eyeing or one for your growing family — and enjoy all of the benefits of being a GECU member.

Auto Loans
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Auto Loans With No Payments for 90 Days

Now–March 14


Right now is the perfect time to get a new or used car with no payments for 90 days1 — 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.

Every one of our vehicle loans come with …

Auto Loans

Affordable payments

Get preapproved for an auto loan and know how much you can afford before you shop.

Auto Loans

Competitive auto loan rates

A low-rate auto loan can save you money over time. 

Auto Loans

Easy terms

We offer a variety of auto loan terms that work for you and your goals.

Auto Loans

Auto refinance available

Refinancing could lower your monthly payment or shorten the term of your current auto loan.

Auto Loans

GECU Auto Loan Refinancing

  • Lower your monthly auto loan payment
  • Shorten the life of your auto loan
  • Save money in interest
GECU is Here to Answer Your Vehicle Loan Questions
  • How can I apply for a GECU Auto Loan?
  • What are the rates to finance a new or used vehicle with GECU?
  • Where do I start if I want to get an auto loan?
    GECU can help you get started with your auto loan. You can apply online to get an auto loan or by calling us at 1.800.772.4328.
  • What can I do if I am not approved for an auto loan?
    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.
  • How do auto loans work?
    Auto loans allow you to purchase a vehicle. You can 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. If you agree to the terms and haven’t found a vehicle yet, it’s time to go shopping. Once the vehicle is selected, the loan is finalized and disbursed to the dealership 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 get preapproved for your new or used vehicle today.
  • What documents do I need to provide in order to apply for an auto loan with GECU?
    GECU may request a valid form of identification, proof of income and other documents as needed.
  • How long does it take to receive a response on my application?
    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.
  • Does GECU offer any special auto loan rates or discounts?
    GECU has periodic rate promotions. The GECU Auto Trade-in Discount is available to those who currently have an auto loan with GECU and trade it in for another auto loan with GECU.
  • I paid off my vehicle. When can I expect my title?
    GECU mails vehicle titles about 20 days after the loan has been paid off.
  • I am interested in purchasing an RV. Does GECU provide loans for those types of vehicles?
    Yes, GECU does provide loans for RVs, ATVs, and other recreational vehicles.
  • I am purchasing a vehicle from a family member/friend. Would I be able to get an auto loan for the purchase?
    Yes, we do offer auto loans for those purchasing a vehicle from person to person.
  • How can I make a loan payment from another bank account?
    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 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.
  • How do I access my credit score?

    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!
  • How can I view my full credit report?

    You can view your full credit report using SavvyMoney in GECU Online Banking or the GECU Mobile App! 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!
  • Why is my credit score important?
    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.
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.



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