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Auto and Motorcycle Loans

Gesa makes it easy for you to drive away in the new or used vehicle of your dreams. Apply anytime online or by phone and get pre-approved before you purchase.

Pre-Approve and Save

Put your financing in place before you hit the showrooms and save. With a preapproved loan at a truly affordable rate from Gesa, you can shop with confidence. This is an excellent way to guard against a snap financing decision in the showroom. You can get preapproved online within minutes!

For any questions large or small, don't be shy. You can always give us a call.

New Auto Loan Rates

APR*
(as low as)
Loan AmountMax. Term
(months)
Vehicle Age
       
2.99% No Minimum 48 2011+
2.99% No Minimum 60 2011+
2.99% No Minimum 72 2011+
3.49% $20,000+ 84 2011+

*APR = annual percentage rate. Rates, terms, and fees are subject to change.

Used Auto Loan Rates

APR*
(as low as)
Loan AmountMax. Term
(months)
Vehicle Age
       
2.99% No Minimum 48 2007-2010
2.99% No Minimum 60 2007-2010
2.99% No Minimum 72 2007-2010
3.49% $20,000+ 84 2007-2010
6.99% No Minimum 60 1999-2006

*APR = annual percentage rate. Rates, terms, and fees are subject to change.

New Motorcycle Loan Rates

APR*
(as low as)
Loan AmountMax. Term
(months)
Vehicle Age
       
2.99% No Minimum 48 2011+
2.99% No Minimum 60 2011+
2.99% No Minimum 72 2011+
3.49% $20,000+ 84 2011+

*APR = annual percentage rate. Rates, terms, and fees are subject to change.

Used Motorcycle Loan Rates

APR*
(as low as)
Loan AmountMax. Term
(months)
Vehicle Age
       
2.99% No Minimum 48 2007-2010
2.99% No Minimum 60 2007-2010
2.99% No Minimum 72 2007-2010
3.49% $20,000+ 84 2007-2010

*APR = annual percentage rate. Rates, terms, and fees are subject to change.

Notes and Fees

Rate includes .25% discount for auto transfer from a Gesa checking or savings account at the time the loan is originated at a branch. Includes a $35 documentation processing fee. On new vehicles we will finance 100% of MSRP, plus tax and license, GAP, MBP, and Debt Protection. On used vehicles, we will finance 100% of NADA Retail Value, plus tax, license and dealer add-ons that are claimed refundable. Rate dependent on credit qualifications. Rates, fees, and terms subject to change without notice.

Ineligible Collateral: Salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles. Higher rates may be charged based on credit qualifications.


Marine and RV Loans

Preparation is important when shopping for a boat or recreational vehicle. Consider a pre-approved boat or RV loan from Gesa and when you find what you want, you'll be prepared to buy. Get pre-qualified for the amount you plan to spend at a competitive rate. If you find yourself at the dealership, and are ready to buy, you can always ask to be financed through Gesa to Go and still rest assured you will get a great Gesa loan with personal, hometown service.

New Marine & RV Loan Rates

APR*
(as low as)
Loan AmountMax. Term
(months)
RV Age
       
4.00% No Minimum 84 2012+
4.50% $25,001+ 120 2012+
5.00% $50,001+ 180 2012+

*APR = annual percentage rate. Rates, terms, and fees are subject to change.
**Maximum loan amount is $100,000.

Used Marine & RV Loan Rates

APR*
(as low as)
Loan AmountMax. Term
(months)
RV Age
       
5.50% No Minimum 84 1999-2011
6.00% $25,001+ 120 1999-2011
6.50% $50,001+ 180 2011+

*APR = annual percentage rate. Rates, terms, and fees are subject to change.
**Maximum loan amount is $100,000.

Notes and Fees

Rate includes .25% discount for auto transfer from a Gesa checking or savings account at the time the loan is originated at a branch. Includes a $35 documentation processing fee. On New Recreational Vehicles and Boat loans, when borrowing up to $49,999 we will finance up to 85% of the MSRP, plus tax and license, GAP and debt cancellation. When borrowing $50,000+ we will finance up to 85% of the MSRP, plus tax and license, GAP and debt cancellation or 85% of the purchase price, plus tax and license, GAP and debt cancellation; whichever is less.

On Used Recreational Vehicles and Boat loans, when borrowing up to $49,999 we will finance up to 80% of NADA retail book, plus tax and license, GAP and debt cancellation. When borrowing $50,000+ we will finance up to 80% of NADA retail book, plus tax and license, GAP and debt cancellation or 80% of the purchase price, plus tax and license, GAP and debt cancellation; whichever is less. 180 month financing available only on current and previous three model years through December 31 of the following year. Rate dependent on credit qualifications. Includes a $35 documentation processing fee. Rates, terms and fees subject to change. Contact Gesa for full program details.

Ineligible Collateral: Salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles. Higher rates may be charged based on credit qualifications.


Other Vehicles and Equipment

There are other ways to get where you’re going. Gesa will help you get there with an affordable loan rate and great loan service! Gesa can finance a range of other collateral types, including off-road motorcycles, ATVs, snowmobiles, horse trailers, campers, toy haulers, etc.

Equipment and Other Vehicle Loan Rates

APR*
(as low as)
Max. Term
(months)
Vehicle Age
     
7.85% 60 New
8.85% 48 Used

*APR = annual percentage rate. Rates, terms, and fees are subject to change.

Notes and Fees

Rate includes .25% discount for auto transfer from a Gesa checking or savings account at the time the loan is originated at a branch. On new vehicles/equipment we will finance 100% of MSRP, plus tax and license, GAP, MBP, and Debt Protection. On used vehicles/equipment, we will finance 80% of Retail Book, plus tax, license, GAP, MBI, and Debt Protection. Includes a $35 documentation processing fee. Rate dependent on credit qualifications. Rates, terms and fees subject to change without notice. Contact Gesa for full program details.

Ineligible Collateral: Salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles. Higher rates may be charged based on credit qualifications.


Loans at the Dealership

Gesa offers the convenience of loan approval at the dealership. At participating auto, RV, and marine dealerships, you can have your loan approved without waiting to visit a Gesa office. We call this service Gesa To Go. It's just one more way we offer convenient loan service to members. The choices are yours now, at Gesa!

Looking for a car? Try Gesa's AutoSMART.

For more information on these dealerships or to inquire about the Gesa To Go program, email  This email address is being protected from spambots. You need JavaScript enabled to view it. or call 509.378.3391 (or toll-free 888.946.4372, Ext 1260) and ask for Gesa To Go program information.

Find a Dealer

Finding a Gesa To Go Dealer is easy! Search by either dealership name or city name and a list of available dealerships will be displayed.

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