Auto Loan Center – Greater Iowa Credit Union

Auto Loan Center

Greater than just great auto rates.

Welcome to the Greater Iowa Credit Union Auto Loan Center!

Here you’ll find current rates, calculators to help find the best budget for your vehicle and links to our partner dealers. You can also access Kelley Blue Book and NADA to learn the values of your trade-in or the vehicle of your dreams!

Buy now. Pay later. Delay your payments for 90 days!2

PLUS get 1% cashback - up to $200!

With our free application process, now is the perfect time to purchase your dream vehicle or refinance your auto loan and leave your higher-cost loan behind!

Get a rate AS LOW AS 3.74% APR1 with:

  • Flexible terms
  • Variety of payment options
  • Up to 110% financing for qualified buyers
  • Friendly, local service

Take advantage of our new or used car loan options, a variety of terms and payment options, and safe ways to protect your loans and credit. Financing is available on cars, trucks, vans, boats, and other vehicles. Get pre-approved today so you can head to the dealership with budget peace of mind!

Not sure if refinancing is a smart move for you?
Click here to learn more about how to make your decision!

There’s no application fee – so why stall any longer?
Choose GICU and shift into savings today!

     Apply Now!       


      Current Rates Here     

Want to learn more or have questions? Contact us today!

     Email Us                      Speak to a Representative     

Terms and Conditions:
1. APR= Annual Percentage Rate. Quoted rate is lowest available rate, reflects all possible discounts, and is accurate as of August 1, 2022 for new and used vehicles 2012 and newer with fewer than 200,000 miles. Your rate will be based on your credit history and may be higher. All loans subject to full underwriting procedures and approval. Maximum rate for auto loan is currently 21% APR. Estimated monthly payment example: $22.02 per $1,000 (payment example is based on 3.74% APR and a term of 48 months with 10% down payment). Approved applicants must become a GICU member by establishing a share account with a minimum $5 deposit. Rates and terms subject to change based on market conditions and borrower eligibility.

2. First payment may be deferred up to 90 days and is dependent upon when your loan closes. Interest continues to accrue during the deferred payment period and will be amortized over the monthly loan payments. Commercial vehicles are excluded. Promotion may change or end at any time. 

3. Cashback offer is only valid towards qualifying new money of $10,000 or more. Offer excludes all loans already financed at Greater Iowa Credit Union. Cashback amount is 1% of the refinanced balance, up to a limit of $200. In order to receive the incentive payment, the loan must be open for 90 days and the member must be in good standing with Greater Iowa Credit Union. To be in good standing, all loans and account balances must be current with proper insurance coverage in place. Approved applicants must become a GICU member by establishing a share account with a minimum $5 deposit.

Applicable Fees:
Auto Lien Filing Fee: $10 (Charged in the event Greater Iowa Credit Union needs to place lien on vehicle. Not charged for internal refinances or vehicles purchased from dealer.)

Greater Iowa Auto Loans