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

(as low as)
Loan Amount Max. Term
Vehicle Age
  No Minimum 36 2019 or newer
  No Minimum 48 2019 or newer
  No Minimum 60 2019 or newer
  No Minimum 72 2019 or newer
  $20,000+ 84 2019 or newer
(as low as)
Loan Amount Max. Term
Vehicle Age
  No Minimum 36 2010 – 2018
  No Minimum 48 2010 – 2018
  No Minimum 60 2010 – 2018
  No Minimum 72 2010 – 2018
  $20,000+ 84 2010 – 2018
4.49% No Minimum 36 2009 & Older

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.


Rates are effective as of 11/01/2021.


Payment Example – New or Used Auto Loan: fixed rate; terms to 60 months. $17.52 a month per $1,000 based on a 5 year loan at 1.99% APR.


Stroll into the showroom empowered by a pre-approved loan

Hit the showroom floor with confidence by getting a pre-approved loan at a great rate and avoid any snap financing decisions. 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.

Click the link to learn more about coupon books:

Click the link to learn more about skipping a payment:

Still have questions?