Credit Union Collateral Loans | Horse Trailer Loans

Motorcycles, other vehicles, and equipment —

What is your dream?

Imagine yourself in your new or used ATV, snowmobile, horse trailer, camper, or toy hauler. You choose how you want to spend your days, doing whatever you love, and we’ll help you with the loan.

5 minutes or less pre-approval

For new other collateral loan rates

Loan Amount^**	Max Term	Vehicle Age
No Minimum	48	2019+
No Minimum	60	2019+
No Minimum	72	2019+
$20,000 +	84	2019+

For used other collateral loan rates

Loan Amount^**	Max Term	Vehicle Age
No Minimum	48	2010 – 2018
No Minimum	60	2010 – 2018
No Minimum	72	2010 – 2018
$20,000 +	84	2010 – 2018

Notes and Fees

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change
** Maximum loan amount is $100,000.
Rates are effective as of 11/01/2021.

Rate includes 0.25% discount for member having a Gesa checking account and 0.50% for having a Gesa Visa® credit card. Additionally, rate also includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated.

On other new collateral loans, we will finance 100% of MSRP plus tax, 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 is dependent on credit qualifications. Other rates and terms available. 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.

Payment Example – Other New or Used Collateral Loan: fixed rate; terms to 60 months. $19.68 a month per $1,000 based on a 5-year loan at 6.74% 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..

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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.