AUTO LOANS
Refinance Your Auto Loan with GFCU & Get Up To $400 CASH BACK!1
Refinance your current auto loan to take advantage of our cash refinance rebate up to $400 cash back1, a 90-day break from monthly payments2, and a competitive rate as low as 4.95% APR* on your existing loan!
Bring your auto loan to GFCU from another lender, and hit the road with these great offers:
- Up to $400 Cash Back¹
- No payments for up to 90 days² – Take a break and enjoy the end of summer
- Rates as low as 4.95% APR* – Enjoy a rate discount of 0.25% APR* when you set up automatic payments from a GFCU MyAdvantage Checking or MyAdvantage Plus Checking Account.
Do you have questions? Talk to our helpful and friendly Consumer Loan Experts.
210-349-5626
Monday-Friday: 9 am – 6:30 pm, Saturday: 9 am – 2 pm.
Whether financing a new vehicle purchase or refinancing an existing loan to GFCU, you’ll enjoy:
Fast decisions
No Payments up to 90 Days2
Competitive, Fixed Rates
Estimate your monthly payment.
Find the right auto loan financing for your budget and needs.
*This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.
Auto Rates
New + Used Comparison
APR (As low as)*
APR (As low as)*
*APR is Annual Percentage Rate. Rates listed include a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 07/01/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.95% APR on a new vehicle, the monthly payment will be $449.23. All loans subject to approval.
84 months available for $30,000 or greater
72 months available for $20,000 or greater
60 months available for $10,000 or greater
48 months available for $5,000 or greater
Ready to start your application?
Apply Online NowResources
AutoSMART
Use AutoSMART to find, research and apply for your next vehicle.
With Generations’ AutoSMART auto-finder website, you can:
- Search from hundreds of local dealerships
- Calculate your payments
- Read reviews
- Look up any vehicle on Black Book and NADA Guides
When you find a vehicle you’re interested in, contact the dealership to schedule a test drive or apply for auto financing with GFCU directly from AutoSMART.
Vehicle Protection and Peace of Mind
Are you financing your vehicle through GFCU?
Then consider purchasing additional vehicle protections that pick up where insurance policies and manufacturer warranties leave off.
Don’t let an unexpected event take the joy out of your new purchase.
Experience peace of mind with GAP, MMP and MVP benefits.
Guaranteed Asset Protection (GAP) Advantage3
GAP coverage could eliminate or reduce costs that your insurance policy doesn’t cover if your vehicle is totaled due to an accident, fire, or theft. Protection also includes a $2,500 allowance to finance a replacement vehicle.
Major Mechanical Protection (MMP)4
MMP coverage keeps your vehicle protected after your manufacturer’s warranty expires. Get quoted for MMP coverage even if your vehicle is not financed with GFCU.
Member Value Protection (MVP)5
MVP coverage gives you a benefit up to $6,000 in depreciation coverage when you return to GFCU to finance a replacement vehicle due to total loss or unrecovered theft.
Auto Loan Resources
Car Buying Tips
Auto Loan Borrowing vs. Leasing
Questions? Get Contacted.
*APR is Annual Percentage Rate. All loans are subject to approval. Rates, terms, and conditions are subject to change without notice. Rate listed includes a discount of 0.25%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Payment Example: For a $15,000 loan for a term of 36 months with a 4.95% APR, the monthly payment will be $449.23.
1 – The external auto loan refinance rebate up to $400 is offered based on approved, funded loans in the following loan amount tiers: $10,000-19,999 receives $100; $20,000-$29,999 receives $200; $30,000-39,999 receives $300; and $40,000+ receives $400. Excludes loans already financed at Generations FCU. Cash will be awarded per qualified loan and will be deposited into the applicant’s primary savings account between 121-140 days after the loan is disbursed. Offer void if canceled or paid off in first 120 days, or late first scheduled payment. Refinance rebate offer ends December 31, 2026.
2 – Interest will continue to accrue during the payment deferral period. Not all loans will qualify for the 90-day payment deferral.
3 – Your purchase of GAP Advantage is optional. Whether or not you purchase GAP Advantage will not affect your application for credit or the terms of any existing credit agreement you have with the Credit Union. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP Advantage. You should carefully read the contract for a full explanation of the terms.
4 – Plans are available for most new and used domestic and imported vehicles. Speak to a lending representative for vehicle eligibility criteria and more details.
5 – Programs and coverages may vary by state/lender. Please refer to the contract for additional terms, conditions, limitations, and exclusions. This material is for marketing purposes only. Maximum MVP benefits are not always paid to vehicle purchase price.