Used Auto

Used Auto

Set your payment on cruise control

Refinance your auto loan to GTE and shift into lower monthly payments—without the speed bumps.

  • Bring your auto loan from another institution and potentially lower your monthly payment
  • Set up autopay and receive an additional 0.50% off your qualifying rate
  • Rates as low as 4.74% APR!*

PLUS, enjoy exclusive discounts!

  • $50 discount on GAP purchases **
  • $50 cash back on MBP sales after 60 days of funding, to be paid out to member primary savings as soon as day 61 **
We offer auto loans with great rates, 100% financing, often with decisions in seconds. Check out how much you can save—you’ll finally stop dreaming and start driving.
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Features & Benefits

  • Great low rates
  • Easy online application

Rates

AS LOW AS
5.49% APR*
Used Auto

*APR = Annual Percentage Rate. As of 9/1/2025. 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. 4.74% APR limited to 48-month term for new autos and 5.24% APR limited to 48-month term used autos. Rates as low as includes .50% discount for ACH payments and .25% discount paid for with Go Points. Auto rate does not apply to vehicles older than 8 model years. APR = Annual Percentage Rate. Discount is eligible for new auto loans to GTE Financial, originated between September 1, 2025, and October 31, 2025. Based on a minimum loan of $5,000 with a term of 48 months for a new vehicle, and APR of 4.74%, which includes ACH and Go Points discounts, and no down payment would have an estimated monthly payment of $121.43. 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. Internal refinances are excluded from this promotion. All loans are subject to approval. GTE reserves the right to end or modify this promotion at any time. 

**All other Cruise into Savings requirements and procedures must be followed to qualify. Promotion active from September 12, 2025 and October 31, 2025. In order to receive the discount listed above, the Guaranteed Asset Protection (GAP) must be active for 60 days.  Mechanical Breakdown Protection's (MBP) $50 cash back will be provided on the 61 day. Credit union’s credit decision will not be affected by whether the consumer elects to purchase this protection. Your GAP certificate will have complete coverage conditions and exclusion details. $500 per loss and unlimited claims per year, effective upon enrollment and continues for 3 years. Insurance Agency Products are offered through GTE Insurance, LLC and Blue Star Insurance, LLC ; Credit Union Service Organizations, owned by GTE Financial. Insurance products are not federally-insured, are not obligations of the credit union, may involve investment risk, including loss of prinicpal. Employees are excluded from GAP and MBP discounts.

***The 0.25% is off a new auto loan using GTE Financial and will be taken off until the APR reaches GTE floor rate of 3.99%.