Vehicle Loans

Whether it’s a new or used vehicle, a boat, RV or ATV – whatever the vehicle, we have the loan for you. Apply at a participating dealer or get pre-approved online or by phone before you shop.

Auto Loans

Pre-Approve and Save

With a pre-approved loan at an affordable rate, you can shop with confidence and avoid expensive snap financing decisions in the showroom. You can get pre-approved online or over the phone within minutes, so you’re ready to drive away when you find the new or used vehicle of your dreams.

First Time Auto Buyer

You'll never forget buying your first car. Gesa can help you get the best possible financing with our First Time Auto Buyer program, even if you don’t have an established credit history. We offer:

  • Low rates
  • Manageable terms
  • Online and mobile access to manage your loan

Get your financing established before you shop

Apply now

New Auto Loan Rates

APR*
(as low as)
Loan Amount Max. Term
(months)
Vehicle Age
3.49% No Minimum 48 2016+
3.99% No Minimum 60 2016+
4.24% No Minimum 72 2016+
4.74% $20,000.00+ 84 2016+

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Used Auto Loan Rates

APR*
(as low as)
Loan Amount Max. Term
(months)
Vehicle Age
3.49% No Minimum 48 2007 – 2015
3.99% No Minimum 60 2007 – 2015
4.24% No Minimum 72 2007 – 2015
4.74% $20,000.00+ 84 2007 – 2015
6.99% No Minimum 48 2004 – 2006
7.49% No Minimum 60 2004 – 2006

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Rate includes .25% discount for auto transfer from a checking or savings account at the time the loan is originated at a Member Service Center. Includes a $75 documentation processing fee. Must have a Gesa checking account and be enrolled in eStatements to be eligible. On new vehicles we will finance up to 120% of MSRP, plus tax and license, GAP, MBP, and Debt Protection. On used vehicles, we will finance up to 120% 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. 

Payment Examples - New and Used Auto:
Fixed Rate; terms to 72 months. $15.87 a month based per $1,000 on a 6 year loan at 4.49% APR.
Fixed Rate; terms to 84 months. $14.01 a month based per $1,000 on a 7 year loan at 4.74% APR.

Payment Examples - Used Auto:
Fixed Rate; terms to 60 months. $20.27 a month based per $1,000 on a 5 year loan at 7.99% APR.

Marine and RV Loans

Don’t be caught up in the moment when shopping for a boat or recreational vehicle. Consider a pre-approved boat or RV loan from Gesa so 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 today.

Apply now

New Marine and RV Loan Rates

APR*
(as low as)
Loan Amount** Max. Term
(months)
Age Range
5.25% $0 – $25,000.00 84 2016+
5.50% $25,001.00 – $50,000.00 120 2016+
6.00% $50,001.00 – $100,000.00 180 2016+

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.
**

Used Marine and RV Loan Rates

APR*
(as low as)
Loan Amount** Max. Term
(months)
RV Age
6.50% $0 – $25,000.00 84 2004 – 2015
6.50% $25,001.00 – $50,000.00 120 2004 – 2015

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.
**

Notes and Fees

Rate includes .25% discount for auto transfer from a checking or savings account at the time the loan is originated at a Member Contact Center. Includes a $75 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 85% 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 $75 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.

Gesa offers a range of rates that depend on factors such as credit history, loan term, and Gesa account. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Rates do not apply to refinances of loans that originated from Gesa. Rates are effective as of 11/1/2019.

Payment Examples - New Marine/RV:
Fixed Rate; terms to 84 months. $13.67 a month based per $1,000 on a 7 year loan at 4.00% APR.
Fixed Rate; terms to 120 months. $10.36 a month based per $1,000 on a 10 year loan at 4.50% APR.
Fixed Rate; terms to 180 months. $7.91 a month based per $1,000 on a 15 year loan at 5.00% APR.

Payment Examples - Used Marine/RV:
Fixed Rate; terms to 84 months. $14.37 a month based per $1,000 on a 7 year loan at 5.50% APR.
Fixed Rate; terms to 120 months. $11.10 a month based per $1,000 on a 10 year loan at 6.00% APR.
Fixed Rate; terms to 180 months. $8.71 a month based per $1,000 on a 15 year loan at 6.50% APR.

Other Collateral Loans

With Gesa you can finance a range of other vehicles and equipment, including off-road motorcycles, ATVs, snowmobiles, horse trailers, campers, toy haulers, and more. Whatever your lifestyle, finance your vehicles and equipment with us.

Apply now

New Other Collateral Loan Rates

APR*
(as low as)
Max. Term
(months)
Vehicle Age
6.99% 48 2016+
7.24% 60 2016+
7.99% 72 2016+
8.49% 84 2016+

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Used Other Collateral Loan Rates

APR*
(as low as)
Max. Term
(months)
Vehicle Age
6.99% 48 2007 – 2015
7.24% 60 2007 – 2015
7.99% 72 2007 – 2015
8.49% 84 2007 – 2015

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Rate includes .25% discount for auto transfer from a checking or savings account at the time the loan is originated at a branch. On other new collateral loans, we will finance 100% of MSRP, plus tax and license, GAP, MBP, and Debt Protection. On other used collateral loans, we will finance 100% of Retail Book, plus tax, license, GAP, MBP, and Debt Protection. Includes a $75 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.

Payment Examples - Other Collateral Loans:
Fixed Rate; terms to 48 months. $24.81 a month based per $1,000 on a 4 year loan at 8.85% APR.
Fixed Rate; terms to 60 months. $20.2 a month based per $1,000 on a 5 year loan at 7.85% APR.

Gesa to Go

With Gesa to Go, you can enjoy the convenience of loan approval at participating auto, RV, and marine dealerships. It's just one more way we offer convenient loan service to our members.

Find a dealer

Finding a Gesa To Go Dealer is easy - search by dealership name or city name, to find a list of participating dealerships.