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AUTO LOANS

GHS Auto Loans

Get your auto financing journey on the road with GHS FCU. Whether looking to pre-qualify for auto financing, refinance your current auto loan, or shop our competitive rates, we’ve got you covered. With flexible terms and budget-friendly monthly payments, a GHS auto loan can help get you in the driver's seat of your car with cash to spare. Apply in minutes!

Money-Saving Auto Loan Benefits

  • Comfortable terms to fit your budget. Spread your payments over 84 months. (That’s seven years!)

  • Select either variable or fixed monthly payments with super-low APR*.

  • No cash down! GHS provides up to 125% financing on new and late-model vehicles**.

  • Refinance your existing auto loan with GHS Federal Credit Union LOW rates.

 

Finance your new or used vehicle   

 Finance your auto loan on a new or used vehicle with GHS Federal Credit Union! Apply in minutes online or in a branch, and work with our local lending team to get your low rate.

 
Loan Type Term (Approximate) APR*
Auto/Truck 2025 or Newer Models To 48 Months As low as 5.50%
60 Months 6.25%
72 - 84 Months 6.50%
Auto/Truck 2018-2024 Models To 48 Months 6.75%
60 Months 7.25%
72 - 84 Months 7.50%

    Apply in 3 Easy Steps

  1. 1

    Apply Online

    Quick and easy online application.
  2. 2

    Sign Your Loan

    Agree to the loan amount, rates, and terms.
  3. 3

    Get a Check

    Use your check to buy your new car.
 
 

Auto Loan Payment Calculator

Use this calculator to calculate your monthly car loan payment estimate based on the price of the car and see how different loan terms or down payments can impact your monthly payment. Calculations update automatically with changes to the input fields.

Monthly Payments

$581.41

Total Principal Paid:$25,000.00
Total Interest Paid:$2,907.77
Total: $27,907.77
VIEW TODAY'S RATES

Loan Amount

$21,926.47

Total Principal Paid:$21,926.47
Total Interest Paid:$2,073.53
Total: $24,000.00
VIEW TODAY'S RATES
 

Reduce Your Auto Loan Payment

Refinance your auto loan with GHS FCU and save on your rate!

Auto Loan FAQ

The amount you qualify for will depend on your income and credit score. We always suggest getting prequalified to know for sure, and then you can shop with confidence.

In some circumstances, you’ll be able to secure an auto loan with no money down. However, the higher your down payment, the more equity you will have in your car from the beginning. It is recommended that you make a down payment on your loan.

You want the lowest interest rate possible on your auto loan. The national average interest rate is 5.27% on a 60-month loan, so the better your credit profile, the lower the interest rate you can expect.

Log in to Online Banking to check the status of a loan application. Or, you may call a member service representative at (800) 732-4447 if you do not know your application number.

Rates and terms are subject to change. Loans are subject to credit approval. All rates are determined by creditworthiness and may vary from those shown.

We finance both private sales as well as dealership sales. Get pre-approved for your auto loan. Once you’re approved for a loan, make your best deal with the seller!

 

Why Finance Your Auto Loan With GHS?

No Hidden Fees Rate Discounts Available Fast Credit Decisions
You'll know exactly what it will cost to finance your car. No surprises. Automatic payments from a GHS account can earn you a 0.50% rate discount. Our quick and easy application takes just a few minutes.
Buy from a Dealer or Private Seller No Prepayment Penalty Credit Union Membership Benefits
Buy wherever you find your dream car. We make it easy for you. We never penalize you for paying off your loan whenever you're ready. You get a trusted partner that's on your side and money-saving.
 
 

*APR = Annual Percentage Rate. Rates are shown “as low as.” Rates and terms are subject to change. Contact a GHS Federal Credit Union representative by stopping in or call (607) 723-7962 or toll free at (800) 732-4447 for the most current rates.  The rate and term may vary depending on each individual’s credit history and underwriting factors. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. **On new and late model vehicles, GHS will finance up to 125% of the NADA (National Automotive Dealer Association) retail value plus tax and title.