Auto Loans


Auto Loans

Increase your cash flow with a competitive auto loan rate and no payments up to 90 days!1

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When you finance your vehicle with GFCU, you’ll enjoy:

  • Fast decisions
  • Competitive, fixed rates as low as 4.09% APR*
    • This includes a rate discount of 0.25% when you set up automatic payments through your MyAdvantage Checking account!
  • No payments up to 90 days1
  • A cash rebate up to $3002 if you’re refinancing your loan from another lender
Auto Rates

Auto Rates for 2021 and Newer Year Models

Term APR (as low as)
60 Months 4.09%*
72 Months 4.79%*
84 Months 5.40%*

Used Auto Rates for 2012-2020 Year Models

Term APR (as low as)
60 Months 4.09%*
72 Months 4.79%*
84 Months 5.40%*

*APR is Annual Percentage Rate. APR is effective as of 09/21/2022. Payment Example: For a $30,000 loan for a term of 60 months with a 4.09% APR, the monthly payment will be $.


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How much car can I afford?
Estimated Monthly Payment
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*This online calculator is for illustration purposes only and its applicability to your own circumstances is not guaranteed. Rates and terms vary.


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 Options

Experience peace of mind with optional services:

  • Guaranteed Asset Protection (GAP) Advantage absorbs costs that your insurance policy doesn’t cover if your vehicle is totaled.
  • Major Mechanical Protection (MMP) keeps you protected after your manufacturer’s warranty expires.

Learn More About Protecting Your Vehicle

What You Need To Know About Auto Refinancing

An auto loan refinance can put more than just a few extra dollars in your wallet each month. Auto loan refinancing can save you hundreds of dollars in the long run. Before you refinance your auto loan, here’s what you need to know.

Car Buying Tips

Financing a vehicle can feel a bit like ordering off one of those 15-page bulky restaurant mega menus. You have an idea of what you’re looking for before you get there, but once it’s time to review your options and make a decision, you’re suddenly debating all the choices in front of you. Did I pick the right place? Am I getting the best deal here for what I want? How can I really be sure when there are so many options to consider? Here are a few car buying tips we recommend.

Questions? Get Contacted:

*APR is Annual Percentage Rate. Rates effective 09/21/2022. Rate of 4.09% APR includes a rate discount of 0.25% applied to new and used auto loans when enrolled in automatic payments from a MyAdvantage Checking account with a loan term up to 60 months.

All loans are subject to approval. Rates, terms, and conditions are subject to change.

1Conditions do apply in order for an auto loan to receive the 90-day payment deferral option and not all loans will qualify. Interest will continue to accrue through the deferred payment period. Refinances of existing GFCU auto loans are not eligible for the 90-day first payment deferral or the autopay rate discount. Additionally, a $75 fee will be assessed for any refinance of an existing GFCU auto loan.

2The external auto loan refinance rebate up to $300 is offered based on approved, funded loans in the following loan amount tiers: $10,000-19,999 receives $100, $20,000-$29,999 receives $150, $30,000-39,999 receives $200, $40,000-$49,999 receives $250, and $50,000+ receives $300. 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 September 30, 2022.

Payment Example: For a $30,000 loan for a term of 60 months with a 4.09% APR, the monthly payment will be $.