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Government Employees Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 12 October 2023
Fact checked

A quick review of Government Employees Credit Union auto loans

Government Employees Credit Union logo

Government Employees Credit Union (GECU) has affordable vehicle financing with rates as low as 6.09% APR and terms of up to 84 months. Members can select from a range of vehicle loans for cars to RVs and boats. In addition, qualified members can save more over the life of the loan through promotional rates and auto trade-in discounts.

Want to see what a GECU auto loan will cost? Try the Government Employees 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 payments.

Key Government Employees Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 6.09% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed
  • Discounts: Auto trade-in and auto insurance discounts

GOVERNMENT EMPLOYEES CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re buying from an online retailer, local dealership, or a person, GECU has flexible loan options for new and used vehicles. For 2020 to 2024 models, the starting rate is 6.09% APR, while 2016 and older models start at 7.66% APR. You can also refinance your existing loan no matter if it’s from GECU or another financial institution.

RV, boat, and motorcycle loans

GECU offers loans tailored to recreational vehicles, too. Ranging from 7.25% to 17% APR, you can pick from loans for new and pre-owned motorcycles, motor homes, travel trailers, and fifth wheels. If you want to secure a camper pop-up trailer, boat, motor trailer, or boat trailer, rates start as low as 9.25% APR.

Government Employees 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

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Government Employees Credit Union Texas

Government Employees Credit Union Texas auto loan

Government Employees Credit Union Texas 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 Government Employees Credit Union Texas 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 GECU auto loan

Eligibility criteria

Though the criteria for GECU’s vehicle financing are not stated, you typically need to be:

  • A Government Employees Credit Union member
  • 18 years old or of legal age for auto financing
  • Employed or show proof of source of income

It’s also important to know if you need to make a car loan down payment. In some cases, GECU doesn’t require any down payment. So, check your vehicle loan requirements to ensure you get a loan that suits your needs and situation.

How to join GECU

You can join GECU if you meet one of the following criteria:

  • Live or work in select counties in Texas and New Mexico
  • A relative of a current GECU member
  • A member of the American Consumer Council
  • An employee of Border Line Hospitality LLC or De Los Santos Family LLC

What you’ll need to have ready

When you apply for auto financing with Government Employees 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 GECU 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.

Try to inquire about the potential auto loan fees you may need to pay, too. Doing this can help you crunch the numbers and prepare your budget. Plus, this will aid your comparison and assessment of other options to find a loan that will least cost you.

Ways to apply for a Government Employees Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-772-4328

Additional GECU auto loan details

  • Automatic payment: Available.
  • Rate discounts: 6.09% promotional rate and up to 0.5% APR auto trade-in discount when trading in existing auto loans with GECU.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, automatic payments, over the phone, and in person.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

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

PROS AND CONS

Pros

  • Quick turnaround time.
  • Longer loan terms.
  • Competitive interest rates.
  • Multiple partner dealers across Texas and New Mexico.
  • Up to 0.5% APR auto trade-in discount.
  • Join applications allowed.
  • Internal and external refinancing available.
  • Convenient online pre-approval.
  • Auto insurance discount through TruStage.
  • Different payment options — online banking, mobile app, automatic payments, over the phone, and in person.

Cons

  • Undisclosed auto loan fees.
  • Unspecified vehicle requirements.
  • Limited to members.
  • Undisclosed minimum and maximum loans.

FREQUENTLY ASKED QUESTIONS

Are there discounts available on GECU auto loans?

You may get a 6.09% APR promotional rate for a 48-month loan term. Plus, GECU offers up to a 0.5% rate discount when you trade in your current GECU auto loan with another GECU auto loan.

Does Government Employees Credit Union refinance car loans?

You can conveniently switch your existing auto loan by applying online or calling 1-800-772-4328. But keep in mind that promotional rates may not apply to refinancing existing GECU auto loans.

How long does GECU take to approve vehicle loans?

You may hear back from GECU within 24 business hours.

Can I purchase a vehicle from a family member or friend?

Yes. You can make person-to-person purchases through GECU’s auto loans.

What information do I need to provide when applying for a GECU vehicle finance?

When applying for a new or used vehicle, GECU will ask for your personal and contact details. Other than these, you need to provide proof of income and employment as well. Remember though that the required documents may vary based on your application.

How much interest does Government Employees Credit Union charge on car loans?

For 2020 to 2024 model with up to 48 months, APR is as low as 6.09%. But if you’re looking for older models, rates start at 6.75% APR for 2019 and older vehicles. Meanwhile, 2015 and older vehicles begin at 7.91% APR. Note that your rate is subject to approval based on your credit standing.

How to apply for an auto loan at GECU?

You can apply for auto financing with GECU by submitting an online application or reaching out at 1-800-772-4328.

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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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