Auto loans

A vehicle purchase is a smooth drive with great car loan interest rates, various loan terms, and less fees than the other guy.

Putting you
in the driver's seat

  • Competitive car loan interest rates
  • Knowledgeable team members to guide you
  • Partner car dealerships in Cincinnati, Kentucky, and Indiana

Whether you’re in the market for a new or used car, or want to refinance your car loan from another lender, our knowledgeable and friendly team can help you understand our loan options and which one is best for you. 

Compare your financing options

 New and used car loans  Refinance your existing auto loan  Graduate and first-time buyer auto loans
Getting a great deal on a new or used car, truck or SUV is easy if you do your homework. We’ve paved the way to great deals with the wealth of time-tested information as well as the number of buying resources we provide — all designed to save you time and money. If you’re currently driving the car of your dreams, but you financed it elsewhere, refinancing your auto (or other vehicle) loan with us can help you save each month. Refinancing with the Credit Union can offer a number of benefits. Let us help finance your first set of wheels, even with little or no credit history! Our low rates and flexible repayment terms make it as affordable as possible to finance your new car, plus you will be building a positive credit history in the process.

Explore car loan rates

Our loan process is simple to make it easy for you to get the financing you need at an affordable rate. Check out our car loan rates below.

Term APR
New/Used Cars, 2021 and newer models, Up to 63 months As low as 6.99%
New/Used Cars, 2021 and newer models, 64 to 75 months As low as 7.49%
New/Used Cars, 2021 and newer models, 76 to 84 months* As low as 8.89%
Used Cars, 2018 through 2020 models, Up to 63 months As low as 7.89%
Used Cars, 2018 through 2020 models, 64 to 75 months As low as 8.29%
Used Cars, 2018 through 2020 models, 76 to 84 months* As low as 9.64%
Used Cars, 2017 and older models, Up to 63 months As low as 7.99%
Used Cars, 2014 through 2017, 64 to 75 months** As low as 8.39%

Car buying service

Use GECU’s free Member Automobile Assistance Program (MAAP) and remove the guesswork by getting the manufacturer’s suggested retail price (msrp) on any vehicle. This valuable information will help you negotiate a fair price on your new car purchase. You'll receive information including:

  • Factory invoice price for base vehicle
  • Sticker price for base vehicle
  • Standard equipment on base vehicle
  • Factory invoice price for the manufacturer installed options and option packages
  • Sticker price for the manufacturer installed options and option packages
  • Freight charges
  • Estimated advertising costs

A GECU team member can also help you determine the trade-in value or private sale value of your car.

Get started

General Electric Credit Union is a full-service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky.

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Charge Your Knowledge: Buying an Electric Car

The first mass-produced electric vehicle (EV) was introduced by General Motors in 1996. Since then, these eco-friendly cars have only gained popularity among U.S. buyers. 

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Common FAQs for Refinancing a Car

Whether you pulled your vehicle out of the dealership lot a year or a few weeks ago, you may still love it – but not the loan you applied for to take it home. If you can relate, know there are other financing options available to you. 

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