Want to skip your next three months of car payments?
Refinance your auto with another financial institution at GENCO and make no payments for 90 days! Then lower your payment with our great rates – as low as 5.19% percent for 48 months! Plus each week we’ll draw 2 loans to win $100 cash! We’re here to save you money! Refinance today! No payment for 90 days, lower your interest rate, and a chance to win $100 cash! Apply online below and save 0.10% off of your approved rate!
Benefits of an Auto Loan Refi with GENCO
Need Cash Flow: Our 90 days no pay feature allows you free up cash to be used for other pressing expenses.
Lower Interest Rates: You may qualify for a lower interest rate if your credit score has improved since you took out the original loan or if interest rates have decreased. This could save you thousands over the life of the loan.
Reduced Monthly Payments: Refinancing with a lower interest rate lowers monthly payments to help balance your budget.
Faster Loan Payoff: If you refinance with a shorter loan term, lower rate or both, you can pay off the loan faster and save on interest.
Multiple Refinances: Multiply your possible savings and benefits by refinancing multiple vehicles from another institution with GENCO.
Auto Loans For All Reasons
We offer refinancing and financing for both new and used vehicles, and even 100% financing for new vehicles up to 72 months. And before you hit the dealership, apply for a pre-approval online, giving you extra bargaining power with the dealership.
Find Your Dream Car!
You can start your search for your next ride with GENCO’s Member Auto Center (MAC). Get pre-approved for GENCO financing with our preferred dealers, look up vehicle values, and find car buying advice.
Let GENCO be your full One-Stop-Shop when you are ready to make your next auto purchase!
Unlock Your Dream Car with GENCO Vehicle Loans
Get behind the wheel of a new ride or refinance your current one with a great rate on an auto loan.
Seamless Pre-Approval Process
Imagine being behind the wheel of your dream car sooner than you think. That's what GENCO offers—quick, expert-guided vehicle financing that's designed to save you money.
Note: For vehicle refinancing, loans must originate from outside GENCO.
Rates for Vehicles (New & Used) All Models**
APR* as low as 5.49% for a term of up to 48 months.
APR* as low as 5.59% for a term of approximately 66 months.
APR* as low as 5.69% for a term of approximately 72 months.
APR* as low as 5.59% for a term of approximately 66 months.
APR* as low as 5.69% for a term of approximately 72 months.
We Work With Local Dealers
Our close relationships with local auto dealers mean you get a smooth, hassle-free car shopping experience. With pre-approval, you lock in the best rate possible, making even spontaneous dealership visits worry-free. Our dealer network ensures you can finance through GENCO directly at the point of sale.
Leverage Your Tax Refund
Thinking about a new car, SUV, or truck? Turn your tax refund into a smart down payment. With GENCO's attractive rates, your new vehicle is closer than you think. Secure pre-approval before you shop to streamline your car-buying journey.
*Not all loans will qualify for delayed Days for No Pay.
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Promotional Disclosure:
Some restrictions apply. 1Weekly Cash Drawings: One entry per loan closed and funded weekly. The closing of the loan automatically enters member into the weekly drawing. The winner is responsible for all applicable taxes. 2APR = Annual Percentage Rate. RATES SUBJECT TO CHANGE WITHOUT NOTICE. 3Apply Online: online applications only, 0.10% discount off the approved rate for all terms. 4Google Review: One (1) $250 winner per branch - five (5) total winners. Subject to credit approval, membership eligibility and loan policies. A minimum loan amount of $5,000 and excludes existing GENCO FCU loans, real estate, motorcycle, recreational vehicle, indirect & business loans. Offer ends 5/30/2025. Payment example: $23.32 per $1,000.00 financed at 5.19% APR for 48 months. Payment example: $17.02 per $1,000.00 financed at 5.35% APR for 69 months. No purchase necessary to win.
* Not all loans will qualify for delayed Days for No Pay.
I want to: Buy a car
Get pre-approved for an auto loan now to ensure a seamless car purchase.