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.

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.

Use our car loan calculator to see what type of payment you can afford
Visit one of our many partner dealers to complete your paperwork onsite – click here for a full list
Get pre-approved
Add payment protection and GAP
Make easy payments through Online Banking and our mobile app¹

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.

Term	APR
New/Used Cars, 2021 and newer models, Up to 63 months	As low as 6.74%
New/Used Cars, 2021 and newer models, 64 to 75 months	As low as 7.24%
New/Used Cars, 2021 and newer models, 76 to 84 months*	As low as 9.14%
Used Cars, 2018 through 2020 models, Up to 63 months	As low as 7.64%
Used Cars, 2018 through 2020 models, 64 to 75 months	As low as 8.04%
Used Cars, 2018 through 2020 models, 76 to 84 months*	As low as 9.89%
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%

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.

3 Tips to Pay Off Your Car Loan Fast

Financing a car is a fantastic way to get behind the wheel. As you’re cruising to work or to the store, you may be thinking about those monthly car payments that satisfy your obligation as a borrower.

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.

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.

Putting you
in the driver's seat

Compare your financing options

Explore car loan rates

Car buying service

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Helpful Resources

Money Minutes Blog

Auto loans

Putting you in the driver's seat