Easy application with great rates you'll love
Limited time offer:
Refinance your auto loan with GTE Financial and you could drive away with a lower monthly payment.
Whether you are buying a new or used vehicle, refinancing one you already own, or purchasing a motorcycle, boat, or RV, GTE has great rates on vehicle loans with your choice of financing options. Plus, save even more when you sign up for autopay and GoPoints!
Not a member yet? Join today!
We’re excited to launch a new service for eligible Auto Loan Members**, GTE Payment Reset, giving you greater control over your financial future.
With GTE Payment Reset, auto loan members can, in just a few clicks, view options to lower their car payment by adjusting their loan term.** Take control of your finances! GTE Payment Reset allows you to update your loan instantly—all online and fully self-service. With customizable options at your fingertips, you can easily find the loan option that best suits your goals.
Log into Online Banking and see if you are eligible.
Our partnership with TrueCar® helps save time and money on your new or pre-owned vehicle. Shop at your convenience and obtain fair pricing before ever stepping foot on the lot. Coupled with GTE's fast and easy financing, it’s a combination that can’t be beat.
Insure your auto from expensive vehicle repairs with Route 66 and their top-of-the-line extended warranty plans.
What if your car has damage or theft? GTE's GAP covers the difference if your loan is greater that your car's current value.
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed.
This material is provided by a third party (Chimney), and the information displayed, including example interest rates, is for illustrative, general, and educational purposes only. This information is not intended to provide legal, tax, or investment advice. The accuracy of the calculations and their applicability to your circumstances are not guaranteed. New loan accounts are subject to application, credit qualification, income verification, and other eligibility requirements. Actual rates and terms will vary based on creditworthiness, loan type, and market conditions.
All loans subject to approval.
1. APR = Annual Percentage Rate. As of 7/17/2026. APR based on payment method, creditworthiness, loan terms and collateral. Rates, terms, and conditions are subject to change. New Auto is defined as current model year or previous model year with less than 10,000 miles. Used Auto is defined as being older than 2 model years or over 10,000 miles. 4.49% APR limited to 48-month term for new autos and 4.99% APR limited to 48-month term used autos. Rates as low as includes .50% discount when enrolled for recurring automatic payments. Discount is eligible for new auto loans to GTE Financial, originated between August 1, 2026 and September 30, 2026. Auto rate does not apply to vehicles older than 8 model years. The offer is available through direct financing with GTE Financial and cannot be applied after financing has been finalized or to loans that have already closed. This offer is not available for internal refinances of existing GTE auto loans and do not apply to commercial vehicles. For every $1,000 borrowed, the monthly payment would be $22.84 for 48 months at 4.49% APR (new vehicle) or $23.07 for 48 months at 4.99% APR (used vehicle). Examples assume a $32,000 loan, enrollment in recurring payments, and no down payment. All examples are hypothetical and are for illustrative purposes only. Your payment amount will differ based on a variety of factors, including when your first payment is due. All loans are subject to approval and membership eligibility. GTE reserves the right to end or modify this promotion at any time.
2. Not all applicants will qualify for 90 days deferred payments. Deferred payment offer will apply for those with A+ credit of 730 or greater, up to $50,000 with a term up to 84 months and recurring automatic payments. Interest will accrue from the date of the loan until payments begin. Participating in this program results in up to a 90-day extension of the loan, maximum term 84-months. Cannot be combined with other offers. Other restrictions may apply.
3. Loan amounts may include warranty products. GAP coverage is optional. You do not have to buy it. Whether you choose to purchase it or not, your credit application and loan terms will remain the same. You can pay the GAP fee in one payment, or by adding it to your auto loan (not available for certain active-duty and reserve military members in California). 60 Day Free Look: Cancel within 60 days for a full refund. GAP is subject to eligibility requirements, terms, conditions, and exclusions. GTE Employees are excluded from GAP discount. Please review the GAP agreement for complete details.
*APR = Annual Percentage Rate. Rates are accurate as of 04/22/2026. Rates are based on evaluation of credit history, loan-to-value, and loan term, so your rate may differ. Eligibility and Membership in GTE Financial required. Rates subject to change at any time. All loans are subject to approval. The APR stated is an estimate and is intended for informational use only. Your actual rate and/or points may be different, as many factors are evaluated for a loan approval. The advertised low as rate includes a .25% rate discount when loan is enrolled in recurring automatic payments.
**All loans are subject to approval. Additional terms and conditions may apply.