Gesa branches will be closed on Saturday, November 11th for Veterans Day. Learn more about our holiday hours.
Auto Loans —
Roll into the showroom with confidence
With our affordable rates, flexible terms, and trusted know-how, we have everything you need to take your leap whether you’re a first-time buyer or an experienced car shopper.
- 5 minutes or less pre-approval
- No impact to your credit
Auto loan rates that don’t break the bank
New cars and trucks
Used cars and trucks
New cars and trucks
| APR* (as low as) | Loan Amount** | Max. Term (months) | Vehicle Age |
| 5.99% | No Minimum | 36 | 2020 or newer |
| 6.49% | No Minimum | 48 | 2020 or newer |
| 6.99% | No Minimum | 60 | 2020 or newer |
| 7.24% | No Minimum | 72 | 2020 or newer |
| 7.74% | $15,000+ | 84 | 2020 or newer |
Used cars and trucks
| APR* (as low as) | Loan Amount** | Max. Term (months) | Vehicle Age |
| 5.99% | No Minimum | 36 | 2011 – 2019 |
| 6.49% | No Minimum | 48 | 2011 – 2019 |
| 6.99% | No Minimum | 60 | 2011 – 2019 |
| 7.24% | No Minimum | 72 | 2011 – 2019 |
| 7.74% | $15,000+ | 84 | 2011 – 2019 |
| 7.74% | No Minimum | 36 | 2010 & Older |
Notes & Fees
* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.
** Maximum loan amount is $200,000. Rates are effective as of 
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Rate includes 0.25% discount for having a Gesa checking account, and 0.50% discount for having a Gesa Visa® credit card. Additionally, rate includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated.
On new and used auto loans, max advance (loan value) is based on approved credit tier plus tax, license, and dealer add-ons that are claimed refundable. Includes a $75 documentation processing fee. Rate is dependent on credit qualifications. Other rates and terms available. Rates, terms, and fees are 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.
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.
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Payment Example – New or Used Auto Loan: fixed rate; terms to 60 months. $19.33 a month per $1,000 based on a 5 year loan at 5.99% APR.
Stroll into the showroom with a pre-approved loan
Within minutes you can be pre-approved online or over the phone, so you’ll be ready to drive into the sunset when you find the new or used vehicle of your dreams. Our rates are always affordable for new or used vehicles, even for first- time buyers.
Gesa to Go Partner Dealers
With Gesa to Go, you can enjoy the convenience of fast loan approval at participating auto, RV, and marine dealerships. It’s just one more way we offer convenient loan service for our members.
Find a Gesa to Go Dealer
Why hit the road with Gesa?
- Advocates for you
- Great rates that beat the big banks
- Pre-approved in minutes
- Get the best possible financing with our First Time Auto Buyer program
- Rate discounts with a Gesa checking account and a Gesa Visa credit card
- Flexible terms and trusted know-how
Still have questions?
You can make a payment in two easy ways:
- With a Gesa account
- With a non-Gesa account
Learn more about how to make loan payments.
Make a Payment – easy ways to pay
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© Gesa Credit Union. All Rights Reserved
Routing Number: 325181248
51 Gage Blvd. Richland, WA 99352
Federally insured by NCUA  –  Equal Housing Opportunity Lender  – Co-op Shared Branch
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© Gesa Credit Union. All Rights Reserved
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Up to 5.00% APY
On select checking accounts!
Routing Number 325181248
Notes & Fees Glossary
| Disclaimer | |
|---|---|
| *APY | * APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date. |
| SmartPlus Checking | *To earn the higher rate, you must:
|