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

loan discount
  • 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.

Example GCEFCU Member Auto Loan4.74%*60 Months$25,000$468.81
Average Bank Auto Loan7.89%*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.

Disclosure: Restrictions & limitations may apply. Please see contract for complete details. Please refer to your Vehicle Service Agreement for a more comprehensive list of what’s covered with your plan options. Parts pricing listed in illustration is based on average of actual repairs at a retail rate for Parts & Labor. Actual repair costs may vary by repair facility, vehicle, and location. Warranty products are provided and administered by SWBC and not guaranteed by the credit union.

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.

Disclosure: Insurance offered through Gulf Coast Educators Insurance Services, LLC. Funds should not be considered a deposit or guaranteed by Gulf Coast Educators Federal Credit Union. Funds are not insured by the NCUA or any federal government agency.

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


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

1Credit Life or Disability Insurance0.25%
2Gulf Coast Educators Insurance Services, LLC Discount0.25%
3Direct Deposit0.25%
Maximum discount is 0.750% for Auto, Boat, Motorcycle, and RV/Travel Trailer loans, and 0.50% for personal loans.


APR = Annual Percentage Rate. All rates are subject to change without prior notice. Your actual rate may be higher based on your credit score and the terms of your loan. No other promotional discounts may be applied. Additional requirements may apply. Payment Example: 60 monthly payments of $18.75 per $1,000.00 borrowed at 4.74% APR. In addition, deferment is NOT available on loans already financed with Gulf Coast Educators. Your rate will be based on the term of your loan and creditworthiness. Interest will continue to accrue during the deferral period and by electing to defer, the total interest charge will increase and extend the time required to pay your loan in full based on your required monthly payment. GAP insurance may not cover skipped payments. Maximum discount is 0.75% for auto, boat, rv, and motorcycle loans, and 0.50% for personal loans.