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Genisys Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 12 October 2023
Fact checked

A quick review of Genisys Credit Union auto loans

Genisys Credit Union logo

Genisys Credit Union has multiple branches across Michigan, Minnesota, and Pennsylvania. Starting at 6.09% APR, qualified members can secure their keys for new and pre-owned vehicles. Plus, auto loan terms stretch up to 84 months. Meanwhile, other recreational vehicles start as low as 6.49% APR.

Want to see what a Genisys auto loan will cost? Try the Genisys Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Genisys Credit Union auto loan features

  • Minimum loan amount: $25,000 for 73-84 month terms.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 6.09% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Auto insurance discounts.

GENISYS CREDIT UNION AUTO LOAN OPTIONS

New and used vehicle loans

Genisys offers auto financing options with workable rates and stretchable terms of up to 84 months. From 6.09% APR, you can purchase or refinance 2017 and newer models. But if you’re after 2014 or older models, rates start at 6.74% APR. However, keep in mind that your APR depends on your credit qualifications, collateral, payment protection package, and payment method.

Boat, leisure, and recreational vehicle loans

You can also travel outdoors or cruise the waves with Genisys’ loans for boats, RVs, campers, motorcycles, personal watercraft, ATVs, and snowmobiles. Through this loan, you may finance up to 125%. Rates start as low as 6.49% APR, and terms can be as long as 240 months based on your loan amount.

Genisys Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Genisys Credit Union

Genisys Credit Union auto loan

Genisys Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Genisys Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Genisys Credit Union auto loan

Eligibility criteria

Though Genisys doesn’t list the specific requirements, you typically need to be:

  • A Genisys member
  • 18 years old or older
  • Employed or have a stable source of income

Knowing the auto loan fees can give you a head start with your application, too. This will help you weigh the overall cost of your loan and compare your choices. In the end, you can pick a lender that saves you more over the life of the loan.

How to join Genisys

Membership is open to anyone who:

  • Lives, works, worships, studies, or owns a business in Michigan, Dakota, Ramsey, Anoka, Hennepin, Scott, Washington Counties in Minnesota, and Montgomery County in Pennsylvania
  • Is employed by one affiliated select employee group or a member of an affiliated association
  • Is an immediate family member of a Genisys member
  • Is a member of the Arthritis Foundation or Paint Creek Center for the Arts

What you’ll need to have ready

When you apply for auto financing with Genisys Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide Genisys with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Remember though that each financial institution has unique documentation requirements. So, ensure you prepare the necessary documents and information ahead to have your auto loan approved sooner.

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-521-8440

Additional Genisys Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Usually, less than an hour, but the turnaround time may take 1 business day based on your application.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Mobile banking, online banking, by mail, and in person.
  • Hardship program: Reach out to a Collection Specialist at 1-800-521-8440 or [email protected].

Vehicle restrictions and limitations

  • Maximum vehicle age: Unspecified, but it’s usually up to 10 years old.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Competitive rates.
  • Longer repayment terms.
  • No payment for 90 days for credit scores of 675 and higher.
  • Online pre-approval available.
  • Joint applications allowed.
  • Convenient online application.
  • New, used, refinanced, and lease buyout auto loans available.
  • Different vehicles available – cars, boats, RVs, other leisure vehicles, and electric vehicles.
  • Discounted auto insurance.
  • On-the-spot financing through partner dealerships.

Cons

  • Undisclosed loan fees.
  • Membership requirements.
  • Members with poor credit history may get higher rates.

FREQUENTLY ASKED QUESTIONS

What is the maximum term of a Genisys Credit Union car loan?

You can make your monthly loan payments for up to 84 months.

How do Genisys auto loans work?

When you get approved for vehicle finance, you get a lump sum to pay for your car. You then need to repay the loan over the agreed loan term and monthly payments.

Where can I apply for a Genisys auto loan?

You can apply online, visit a branch, or apply directly at one of Genisys’ partner dealers.

How do I pay my Genisys auto loan?

You can make your loan payments in multiple ways: through mobile and online banking, mail, and in a branch.

How to buy a car with a Genisys Credit Union auto loan?

When buying from a partner dealer, you can search for a car that suits you and your budget. Then, the dealer will submit your application for financing. Once approved, the dealer will likely ask for additional documents, like proof of insurance. The next step involves delivering the vehicle to you.

Will applying for vehicle finance with Genisys affect my credit score?

The credit union will make a hard credit check when you submit a formal application. Since it will appear on your credit report, this will temporarily decrease your score by a few points.

Video: Loans at Genisys

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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