Auto Loans

Rates as low as 1.99% APR!*

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

PLUS! Save an extra $1,8002 when you bring your auto loan to GFCU from another lender!

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

  • A fast approval
  • Competitive, fixed rates as low as 1.99% 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

Combine your payment deferral and cash rebate, and put $1,8002 back in your pocket for other expenses!

  • Your monthly payment of $5002 x 3 months (90-day payment deferral)
  • Add your Cash Refinance Rebate up to $3002
  • Pocket $1,8002 this fall!

Apply Online Now

Or give us a call at 210-349-LOAN (5626)

Auto Rates for 2019 and Newer Year Models

TermAs low as*
48 Months1.99%*
60 Months1.99%*
72 Months2.49%*
84 Months4.15%*

*APR is Annual Percentage Rate. APR is effective as of 07/21/2020.

Used Auto Rates for 2010-2018 Year Models

TermAs low as*
48 Months1.99%*
60 Months1.99%*
72 Months2.49%

*APR is Annual Percentage Rate. APR is effective as of 07/21/2020.


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

Understanding Auto Loans

auto loan educational video-generations academyAre you a first-time autobuyer or do you simply need a refresher on some common questions about auto loans?  This short video from our online financial education platform, Generations Academy, will help answer your questions.

You can also explore a wide-range of other financial topics, calculators and more on Generations Academy, presented in quick, interactive, easy-to-follow modules.

Questions? Get Contacted:

*APR is Annual Percentage Rate. Rate of 1.99% applies to new and used auto loans enrolled in automatic payments from a MyAdvantage Checking account with a loan term up to 60 months. This includes a rate discount of 0.25%, which may be applied to new and used auto loans that are enrolled in automatic payments from a MyAdvantage Checking account at the time of loan closing.

1Conditions do apply in order for an auto loan to receive the 90-day payment deferral option and not all loans will qualify. 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 December 31, 2020. All loans subject to approval. Rates and terms are subject to change without notice and may vary based on your creditworthiness. Figure of $1,800 is based on a monthly payment of $500 and a refinance rebate of $300. Total savings will vary based on payment amount and rebate amount.