Refinance & Relax and get No Payments for 90 Days
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 4.59% APR1 for 48 months or 4.79% APR1 for 72 months! Plus, you will automatically be entered for a chance to win 3 Months of Free car payments on GENCO2! Your path to savings has never been this relaxing. Refinance today! Apply online below and save 0.10%3 off of your approved rate!
Benefits of an Auto Loan Refi with GENCO
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.
Explore More:
Need protection? Discover our GAP insurance
Disclosures:
Some restrictions apply. 1APR = Annual Percentage Rate. Rates subject to change without notice. 2One (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 June 12, 2026, will act as your automatic entry into the drawing. The winner is responsible for all applicable taxes. 3Online applications only, 0.10% discount off the approved rate for all terms. 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, and indirect loans. Offer ends June 12, 2026. Payment example: $22.86 per $1,000.00 financed at 4.59% APR for 48 months or $16.02 per $1,000.00 financed at 4.79% APR for 72 months. No purchase necessary to win.
*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.