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: This could save you hundreds or thousands over the life of the loan.
- Reduced Monthly Payments: Refinancing with a lower interest rate lowers monthly payments or you can keep your same payment and pay you loan off sooner.
- 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 4.84% for a term of up to 48 months.
APR* as low as 4.94% for a term of approximately 66 months.
APR* as low as 4.99% 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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Need protection? Discover our GAP insurance
Disclosures:
*APR = Annual Percentage Rate
**Rates effective 1/1/2026 and subject to change without notice. As low as rates based on a credit score of 730+. Payment example : $22.98 per $1,000.00 financed at 4.84% APR for 48 months. Payment example : $18.86 per $1,000.00 financed at 4.94% APR for 66 months. Payment example : $16.10 per $1,000.00 financed at 4.99% APR for 72 months.
I want to: Buy a car
Get pre-approved for an auto loan now to ensure a seamless car purchase.