Easy & Affordable Auto Loan Financing
Start and finish your auto loan all online
Whether you are buying a new or used vehicle, or refinancing your current one, you can complete the entire process all from your computer or mobile device. If you haven’t found the right car yet, we can help you get pre-approved so you can shop with confidence and peace of mind. Check out more perks below.
Defer Your First Payment for the first 3 months after financing.
Skip Your Loan Payments up to two times per calendar year.
Up to 0.75 % APR* Discount off your auto loan rate. See discounts available here.
Get Pre-Approved Online and complete the entire loan process from the comfort of your home.
Auto Loan Options
New or Used Auto Loans
Refinance Your Current Auto Loan
Vehicle ProtectionVehicle Protection
Vehicle Protection Plans – Extended Warranty
GCEFCU offers several vehicle protection plans to add to your loan. With three levels of coverage, our protection plan offers affordable options to ensure your vehicle is protected against costly mechanical and electrical repairs.
Member Auto CenterMember Auto Center
All The Tools You Need
Our Member Auto Center has all the tools you need to find your next vehicle and give you peace of mind knowing you are getting good advice and deals. The Member Auto Center features the ability to search for new and used vehicles, advice on the car buying process, and much more.
Winter Car Sale: From November 24 to December 31, when you search for your next vehicle using our Member Auto Center and submit a no-obligation price quote request, you’ll be entered to win $500. Follow the instructions below:
HOW TO ENTER TO WIN:
Step 1: Before June 30, 2025, visit our online Member Auto Center at gcefcucarsale.MemberAutoCenter.com
Step 2: Search for your next vehicle by using the blue search box.
Step 3: Submit for a no obligation Price Quote Request for a vehicle that you are interested in, by filling out the form located to the right of the vehicle’s pictures.
Click the button below to visit our Member Auto Center website.
Auto Loan InsuranceAuto Loan Insurance
Gulf Coast Educators Insurance Services
While Auto Loan insurance doesn’t cover basic wear and tear on your vehicle, it is a necessary precaution to help you in the event of an accident resulting in either damage to your vehicle or another’s vehicle, or injury to anyone involved. Without insurance, you would be on your own to cover the financial costs out-of-pocket, which can often total thousands of dollars. At Gulf Coast Educators Insurance Services, we can help you get the best insurance coverage for the lowest cost.
Estimate Your Auto Loan Payment:
Planning your next vehicle? Use our Auto Loan payment calculator to see potential monthly payments and make a more informed, stress-free decision.
Disclosures+ Show All | - Hide All
Auto Loan Rates
| Starting APR* (not including discounts) |
Term | Loan Amount | Maximum Loan Discount | Payment Example Per $1,000 Borrowed |
|---|---|---|---|---|
| 4.49% | Up to 36 months | 0.75% | $29.74 | |
| 4.74% | Up to 48 months | 0.75% | $22.91 | |
| 4.99% | Up to 60 months | 0.75% | $18.87 | |
| 5.49% | Up to 72 months | $15,000 and up | 0.75% | $16.33 |
| 6.24% | Up to 84 months | $25,000 and up | 0.75% | $14.72 |
*APR = Annual Percentage Rate. Actual APR may vary based on factors such as credit history, vehicle condition (new or used), model year, loan term, and amount. Rates are subject to change. Maximum rate discount: 0.75% for auto, boat, motorcycle, and RV loans; 0.50% for personal loans. Auto loans may qualify for a rate as low as 3.74% APR with a term of 3 years or less and maximum discount applied.
Consumer Loan Discounts
| Discount | Description | Discount Rate |
|---|---|---|
| Credit Life or Disability Insurance | Add Credit Life or Disability Insurance to your loan through the credit union and you may receive 0.25% off your APR*. | 0.25% |
| Gulf Coast Educators Insurance Services, LLC | If you have any type of insurance service through Gulf Coast Educators Insurance Services, you may qualify for a discount of 0.25% off your APR*. Insurance offered through Gulf Coast Educators Insurance Services, LLC. Funds should not be considered a deposit or guaranteed by GCEFCU. Funds are not insured by the NCUA or any federal government agency. | 0.25% |
| Direct Deposit | If you have at least 1 payroll direct deposit per month of $500 or more into your GCEFCU checking account, you may receive a discount of 0.25% off your APR*. | 0.25% |
*APR = Annual Percentage Rate. Actual APR may vary based on factors such as credit history, vehicle condition (new or used), model year, loan term, and amount. Rates are subject to change. Maximum rate discount: 0.75% for auto, boat, motorcycle, and RV loans; 0.50% for personal loans. Auto loans may qualify for a rate as low as 3.74% APR with a term of 3 years or less and maximum discount applied.
No Payments for 90 Days Disclosure: Deferment is NOT available on loans already financed with Gulf Coast Educators FCU. Your rate will be based on the term of your loan and creditworthiness. Interest will continue to accrue during the deferral period and by electing to defer your car payments, the total interest charge will increase and extend the time required to pay your loan in full based on your required monthly payment. GAP insurance may not cover skipped payments.
Vehicle Protection Disclosure: Restrictions & limitations may apply. Please see contract for complete details. Please refer to your Vehicle Service Agreement for a more comprehensive list of what’s covered with your plan options. Parts pricing listed in illustration is based on average of actual repairs at a retail rate for Parts & Labor. Actual repair costs may vary by repair facility, vehicle, and location. Warranty products are provided and administered by SWBC and not guaranteed by the credit union.
Auto Insurance: Insurance offered through Gulf Coast Educators Insurance Services, LLC. Funds should not be considered a deposit or guaranteed by Gulf Coast Educators Federal Credit Union. Funds are not insured by the NCUA or any federal government agency.
Winter Sale Disclosure: *Need not apply for a loan to enter. No purchase necessary. You do not have to be a member of a credit union to enter. Limit one entry per person. All entries will be accepted. To enter, visit the website above, find a vehicle you are interested in, submit the form for a no obligation price quote request. All entries must be submitted no later than December 31st, 2025 by 11:59 p.m. CST. Contest ends December 31st, 2025 at 11:59 p.m. CST. Only two winners will be chosen by random drawing on January 6, 2025 to win $500 each. Winners will be notified by a Credit Union Representative. This contest does not include a manufacturer’s rebate or discount available to the public. Employees of FocusOne Now, LLC and its subsidiaries are not eligible. Must be 18 years or older. No cash value. Odds of winning depend on the total number of entries received. Restrictions may apply. Void where prohibited and subject to federal, state and local laws. For more information visit the website above or call (832) 912-2182.