Genisys Auto, Home and Personal Loans
Budget-Friendly Loans for Whatever You Need.
Rates as low as 6.49% APR*
| New Auto Loan Rates & Used Auto Loan Rates (By Model Year) | ||
| Effective Date: Friday, April 26th, 2024 | ||
| Model Year | APR as low as* | Maximum Term |
| 2022 and newer | 5.49% | up to 36 months |
| 2022 and newer | 5.99% | up to 60 months |
| 2022 and newer | 6.24% | up to 75 months |
| 2022 and newer | 6.99% | up to 87 months** |
| 2018-2021 | 6.49% | up to 60 months |
| 2018-2021 | 6.74% | 61-72 month |
| 2020-2021 | 7.24% | 73-84 months*** |
| 2015-2017 | 7.54% | up to 60 months |
| 2014 & older | 8.04% | up to 60 months |
Enjoy no payments for 90 days for borrowers with excellent credit2
*Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be $30.19 per $1,000 borrowed at 5.49% for 36 months. 290 days no payment offer available to credit scores of 675 and higher. Interest accrues during the deferral period. | ||
New, Used, Refinanced or Lease Buyout Car Loans.
Buying a car should be an exciting time, but we know how stressful finding the perfect car loan can be. Take some of the hassle out of finding your dream car with a credit union car loan from Genisys! New cars, used cars, daily drivers, or the dream car you've always wanted, Genisys has the flexible car loans to get you in the driver's seat. Just a click away!
Mortgages and home loans are not a one-size-fits-all type of financing.
At Genisys Credit Union we take pride in fitting our mortgage lending products to the specific needs of each individual. You will not find cookie cutter loans here - just customized home loan solutions, designed by mortgage lenders who understand what best fits your home, life, and budget.
Rates as low as 10.49% APR*
| Personal Loan Special | ||
| Effective Date: Friday, April 26th, 2024 | ||
| Name | APR as low as* | Approximate Term |
| Personal Loan Special | 10.49% | up to 48 months |
| Personal Loan Special | 10.99% | up to 60 months |
*Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer. Approximate monthly payment would be $25.56 per $1,000 borrowed at 10.49% for 48 months or $21.69 per $1,000 borrowed at 10.99% for 60 months. | ||
| Personal Loans | ||
| Effective Date: Friday, April 26th, 2024 | ||
| Name | APR as low as* | Approximate Term |
Personal Loans |
11.24% | up to 60 months |
*Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be $21.84 per $1,000 borrowed at 11.24% for 60 months. Maximum total unsecured credit allowed is $50,000. | ||
Cash for almost any need!
Whether you need extra cash for a large purchase, special occasion, or some other expense, a personal loan can be a great way to pay for it. Genisys Credit Union offers convenient, easy-to-access personal loans that offer the flexibility you need to pay for a number of expenses, whether they're something you expected or something that snuck up on you.
Rates as low as 9.90% APR*
| Recreational Vehicle/Boats | ||
| Effective Date: Friday, April 26th, 2024 | ||
Boat, RV, Camper, Motorcycle, Personal watercraft, ATV, Snowmobile
| ||
| Loan Amount | APR as low as* | Term |
| $0.00 - $9,999 | 6.49% | 60 Months |
| $10,000 - $14,999 | 6.99% | 84 Months |
| $15,000 - $19,999 | 7.24% | 120 Months |
| $20,000 - $29,999 | 7.49% | 144 Months |
| $30,000 - up | 7.49% | 180 Months |
| $75,000 - up | 7.99% | 240 Months |
*Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, amount borrowed, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Payment protection packages available on loan terms of 120 months or less. To qualify for 240 month term, collateral must meet requirements under the Internal Revenue Code deduction for interest paid; must contain sleeping, cooking, and toilet facilities. Approximate monthly payment would be $19.56 per $1,000 borrowed at 6.49% for 60 months. Financing available up to 125% for qualified borrowers. | ||
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Two Great Credit Card Offers to Choose From
Have you received credit card solicitations in the mail and wondered if you were missing out on a good deal? You have a lot of choices when it comes to credit card offers. It pays to apply for a credit card with someone you can trust. Apply with Genisys Credit Union.
