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
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.
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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Disclosures:
*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.
I want to: Buy a car
Get pre-approved for an auto loan now to ensure a seamless car purchase.