

Bring your Auto Loan Home to GENCO and get No Payments until 2026.
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 4.79% APR2 for 48 months! Plus, you will automatically be entered for a chance to win 3 Months of Free car payments on GENCO1! Lower your Rate, Save money and Keep it Local. Refinance today! Apply online below and save 0.10%3 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 like the upcoming holidays!
Lower Interest Rates: Auto loan rates are dropping and you may qualify for a lower interest rate. 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.
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
Seamless Pre-Approval Process
We Work With Local Dealers
Leverage Your Tax Refund
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*APR = Annual Percentage Rate
Some restrictions apply. 1One (1) loan will be randomly selected from valid entries to win three (3) GENCO FCU auto loan payments paid by us, up to $1,800 cumulative. Each funded loan by December 5, 2025, will act as your automatic entry into the drawing. The winner is responsible for all applicable taxes. 2APR = Annual Percentage Rate. Rates subject to change without notice. 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, commercial vehicle, indirect & business loans. Offer ends 12/05/25. Payment example: $22.94 per $1,000.00 financed at 4.79% APR for 48 months. 3Online applications only, 0.10% discount off the approved rate for all terms. 4Google Reviews: One (1) $250 winner per branch – five (5) total winners. No purchase necessary to win.