Loan Rates

Vehicle Loan Rates and Terms

Buying a new or used vehicle? Call us toll-free at 1-800-360-6362 or complete a short online application here. We offer terms to fit most any budget and up to 90 days before your first payment is due.

Less than perfect credit? Work with us to finance your next vehicle and save big money over the options available at the dealership!

Already financed somewhere else? We want your business.  And when you bring your loan to GPFCU your first payment can be due up to 90 days later, putting cash in your pocket now!

A rate discount of .25% is available for payment by payroll deduction or payment by auto transfer from your GPFCU checking account with net direct deposit.

Ready to get started? With the .25% discount described above, your rate on a new or used vehicle can be as low as 1.74% APR*. And, you can borrow up to 125% of the value of the vehicle. Finally, we'll give you as long as 90 days before making your first payment. Why wait? Get started now. Call us a 1-800-360-6362 or complete this short application.

New and Used Auto Loans: Effective April 1, 2015
Model Years Approx. Term (Months) Rates Without Discounts As Low As
2013- newer   0 - 60 Months 1.99% APR*
2013- newer 61 - 72 Months 2.49% APR*
2013- newer 73 - 84 Months 3.24% APR*
2010 - 2012   0 - 60 Months 1.99% APR*
2010 - 2012 61 - 72 Months 2.99% APR*

* APR=Annual Percentage Rate. As low as rate of 1.74% is for the purchase of a 2013 or newer model vehicle with a maximum term of 60 months. Stated rate includes a 0.25% discount for payroll deduction or auto transfer from a GPFCU checking account with net direct deposit. Monthly payments at 1.74% for 60 months will be $17.42 per $1,000 borrowed. Your rate may be different based on your creditworthiness and could be higher than stated rate. Rates effective as of April 1, 2015. All rates and terms quoted are subject to change. Membership eligibility is required. A $10 Membership Account is required.

Buying something older than 2010? We finance those at competitive rates, too.

Or take the road less traveled.

We can provide you with a rate as low as 4.25% APR** on the purchase of RVs, ATVs, boats and personal watercraft. You can borrow up to 100% of NADA (National Automobile Dealers Association) value AND take up to 90 days before making your first payment. Give us a call at 1-800-360-6362 to get moving.

For a limited time, when you refinance your RV, ATV, boat or personal watercraft from another lender, you'll receive a 1.00% refund*** of the financed amount up to $500.

Adventure Loans: Effective April 1, 2015
Approx. Term (Months) Rates Without Discounts As Low As
  0 - 60 Months 4.50% APR**
61 - 72 Months 5.00% APR**
73 - 84 Months 6.00% APR**

Other Collateral model years 2010 and newer, including RV's, PowerSport and Water Craft. Longer terms available based on amount financed.

** APR=Annual Percentage Rate. As low as rate of 4.25% is for the purchase of a 2010 or newer model RV, boat or personal watercraft with a maximum term of 60 months. Stated rate includes a 0.25% discount for payroll deduction or auto transfer from a GPFCU checking account with net direct deposit. Monthly payments at 4.25% for 60 months will be $18.53 per $1,000 borrowed. Your rate may be different based on your creditworthiness and could be higher than stated rate. Rates effective as of April 1, 2015. Borrow up to 100% of NADA value of vehicle. All rates and terms quoted are subject to change. Membership eligibility is required. A $10 Membership Account is required.

*** We will refund 1.00% of the financed amount up to $500 on "Adventure Loans" refinanced from another financial institution. Not valid on loans under $7,500. Cannot be combined with other offers. Offer may be withdrawn without notice. Members must keep the loan for at least six (6) months or the bonus will be forfeited. Other restrictions may apply.

Are you paying at or near retail value? Add GAP protection and peace of mind for as little as $275.

We also offer Mechanical Repair Policies and coverage for Loss of Life and Disability.

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