Promotions — 90 Day No PaymentHave you ever thought about refinancing your auto loan? Refinancing can help lower your monthly payment or pay off your vehicle faster! For a limited time, refinance your auto loan from another lender with Gesa and make no payments for 90 days.* You can even choose tailored terms with interest rates as low as 0.99% APR!** Get Started Notes and Fees *Beginning September 1, 2021, for a limited time only, members who refinance their auto with Gesa can make no payments for 90 days. Interest will continue to accrue during the 90 days. Offer valid for auto loans currently financed through other financial institutions only and not available for new purchases. Auto loans must be at least 90 days old. The refinance loan balance must be $5,000.00 or more to qualify. Existing loans financed through Gesa are not eligible for this promotion. Over valid on auto loans with vehicle ages 2006 and newer. All loans subject to Gesa approval. To delay payments for up to 90 days, you must meet certain credit criteria, and not all members will qualify. Contact the credit union for details. **APR = Annual Percentage Rate. 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 10/01/2021. 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.