Easy & Affordable Auto Loan Financing
Start and finish your auto loan all online. Whether you are buying a new or used vehicle, or refinancing your current one, you can complete the entire process all from your computer or mobile device. If you haven’t found the right car yet, we can help you get pre-approved so you can shop with confidence and peace of mind. Our team is here to help you with any of the following:
- ✔ New Auto Loans
- ✔ Used Auto Loans
- ✔ Refinancing
- ✔ Getting Pre-Approved
- ✔ Vehicle Warranties
Our Key Loan Details
Our Key Auto Loan Details

- Rates as low as 4.74% APR*
- Up to 100% financing on a new or pre-owned vehicle
- Terms up to 7 years
- Refinancing is available
- Loan discounts available
- Easy to apply online, in person, or by phone
See How Much You Can Save
Don’t wait another day to trade in your old, money-guzzling loan for a sleek, affordable one at GCEFCU. The chart below illustrates just how much we could save you with an auto loan at GCEFCU.
LENDER | RATE | TERM | AMOUNT | MONTHLY PMT |
---|---|---|---|---|
Example GCEFCU Member Auto Loan | 4.74%* | 60 Months | $25,000 | $468.81 |
Average Bank Auto Loan | 7.89%* | 60 Months | $25,000 | $505.59 |
GCEFCU Interest Savings Over The 60 Month Term Of A Similar Bank Auto Loan | $2,206.80 | |||
*Source: Bankrate, rates as of 2/10/2023. Rates vary depending on credit score and loan term. |
Vehicle Protection
Vehicle Protection Plans – Extended Warranty
GCEFCU offers several vehicle protection plans to add to your loan. With five levels of coverage, our protection plan offers affordable options to ensure your vehicle is protected against costly mechanical and electrical repairs. Additional benefits include:
- 24-Hour Roadside Assistance
- Manufacturer Deductible
- Mechanical First Air
- Tire, Delivery, Battery, Locksmith, and Towing service
- Substitute Transportation
- Trip Interruption
- Key Fob Coverage
- Dent & Windshield Repair
To compare covered components and see which plan best suits your needs, click here.
Auto Loan Insurance
While auto loan insurance doesn’t cover basic wear and tear on your vehicle, it is a necessary precaution to help you in the event of an accident resulting in either damage to your or another’s vehicle, or injury to anyone involved. Without insurance, you would be on your own to cover the financial costs out-of-pocket, which can often total thousands of dollars. At Gulf Coast Educators Insurance Services, we can help you get the best insurance coverage for the lowest cost.
Member Auto Center
Member Auto Center
Our Member Auto Center has all the tools you need to find your next vehicle and give you peace of mind knowing you are getting good advice and deals. The Member Auto Center features the ability to search for new and used vehicles, advice on the car buying process and much more. Click the button below to visit our Member Auto Center website.
Helpful Resources
Helpful Resources
AUTO EXAM: AUTO EXAM’S goal is to protect the consumer from buying someone else’s problems. We will give you a written unbiased report identifying any problems such as: Was it maintained? Has it been in an accident? Is the mileage correct? Has it been flood damaged? Are there any mechanical problems? How much is the vehicle really worth? In conclusion, Auto Exam can answer these questions and much more.
CARFAX: Order a CARFAX Vehicle History Report. Your best protection against buying a used car with costly, hidden problems, including flood damage. CARFAX searches its nationwide database and provides a detailed report in seconds. In other words, it is a must have for buying a used vehicle.
Additional Resources
Auto Loan Calculators
Discounts
Loan Discounts
When you finance your auto loan with GCEFCU, you may qualify for additional loan rate discounts. These discounts can be combined to receive up to 0.75% off your APR*.
Loan Discount Table
DISCOUNT | DESCRIPTION | DISCOUNT |
---|---|---|
1 | Credit Life or Disability Insurance | 0.25% |
2 | Gulf Coast Educators Insurance Services, LLC Discount | 0.25% |
3 | Direct Deposit | 0.25% |
Maximum discount is 0.750% for Auto, Boat, Motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans. |