BUYING A CAR

Make the Car-buying Process Easy

Follow our step-by-step car-buying guide, find useful resources, and learn tips to prepare yourself for your next car.

Buying a Car
Buying a Car

How to buy a car

  • Get prequalified: Feel confident before you start car shopping by knowing how much you are preapproved for. When your auto loan1 application is reviewed, we also consider other expenses when financing a vehicle, such as car insurance and rent or a mortgage loan payment.
  • Start shopping: Consider your wants vs. your needs in a new or used car when you start shopping, such as the number of seats and safety features. It will help narrow down your search while at the dealership or when searching online.
  • Consider extra add-ons: Think about extra add-ons with your car purchase, such as an extended warranty or Guaranteed Asset Protection (GAP) insurance and others that can be financed with your auto loan.
  • Read closely: Thoroughly review your auto financing terms before signing the paperwork. Once you have come to an agreement and signed all of the paperwork, be sure to contact your car insurance company to add your new vehicle to your policy.
  • Enjoy the ride: Get where you need to go knowing that you made the right choices during your car purchase.
GET PREQUALIFIED
Man and woman in front of new car

Auto Loans With No Payments for 90 Days

Now–November 12


Right now is the perfect time to get a new or used car with no payments for 90 days1 — including hybrid and electric vehicles! Take advantage of this special offer when you apply for a GECU Auto Loan or ask for GECU financing at the dealership.
GET PREAPPROVED
Additional Auto Financing Resources

Auto loans

We offer auto loans with competitive rates, affordable payments and flexible terms for new or used vehicles.
View auto loans

Refinancing auto loans

We may be able to refinance your current auto loan with a lower monthly payment, a lower interest rate or a new term that works for you.
View auto refinancing

Auto trade-in discount

Get an even lower auto loan rate when you trade in your current GECU auto loan and finance again with us.
View auto trade-in discount
We’re Here to Help You Through the Car-buying Process
  • What is an auto loan?
    An auto loan is a loan provided by a lender where the car is used as collateral. Auto loans may offer lower rates and longer terms than a personal loan or signature loan.
  • What are taxes and title costs?
    Taxes and title fees are assessed when purchasing a car. Taxes are the sales tax rates determined by the state where the car is purchased. Title fees are to pay for the transfer of names on the title that are supplied to the county. These fees can be included in the loan.
  • How do I know if the car dealership works with GECU?
    We work with many dealerships in your area. You can always ask for auto financing with GECU at the dealership.
View all online help topics

Disclosures

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Membership eligibility is required.
1All loans are subject to approval. Rates and terms are based on vehicle year and borrower’s credit qualifications, and are subject to change. Promotional periods and refinancing do not apply to existing GECU loans. Interest accrues over the 90-day nonpayment period. Other conditions apply.
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