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Auto Loans & Financing

Quick and easy auto loans to get you on the road now!

Apply Now Find Your Next Vehicle

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Get a new Auto Loan and Enter for Your Chance to Win Minnesota Vikings Tickets!

4 Tickets to Vikings v. Cardinals - December 1, 2024

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New, Used or Refinanced Car Loans, Genisys is your Best Financing Option!

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!

 

 

Hassle-Free Auto Loans. From Start to Finish.

Our convenient application process can be done online or at one of our convenient branch locations, and our friendly staff is always ready to help you find the best loan term with the low auto loan rates you can always expect.

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Hassle-Free Auto Loans. From Start to Finish. 

Our convenient application process can be done online or at one of our convenient branch locations, and our friendly staff is always ready to help you find the best loan term with the low auto loan rates you can always expect.

We Can Help With

ON YOUR TERMS

Vehicle Rates So Low,  
You’ll Love Your Payment.

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.  Plus, our Payment Reset feature may give you the option to lower your rate and payment one time during your loan!

Just a click away!

Apply Online

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New Auto Loan Rates & Used Auto Loan Rates (By Model Year)
Effective Date: Monday, November 11th, 2024
Model YearAPR as low as*Maximum Term
2022 and newer 4.99% up to 48 months
2022 and newer 4.99% up to 60 months
2022 and newer 4.99% up to 75 months
2022 and newer 5.74% up to 87 months**
2018-2021 5.74% up to 60 months
2018-2021 5.74% 61-72 months
2020-2021 5.74% 73-84 months***
2015-2017 6.99% up to 60 months
2014 & older 7.49% up to 60 months

Enjoy no payments for 90 days for borrowers with excellent credit2

Apply Online Auto Calculators

*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 $15.55 per $1,000 borrowed at 4.99% for 75 months.
**87 month term requires minimum financed amount of $25,000.
***73-84 month term requires minimum financed amount of $25,000.

290 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.

 

 

Calculate Your Vehicle Payment

1. Choose to calculate based on:

2. Type in the loan amount you would like, and we can calculate the payment.

Auto Loans Calculator
Effective Date: Monday, November 11th, 2024
Term in Months (up to)Interest Rates (as low as)Payment
Amount
36 4.99%  
48 4.99%  
60 4.99%  
75 4.99%  
87 5.74%  

These informative and interactive calculators are made available to you as self-help tools for your independent use. We do not guarantee their accuracy or applicability to your circumstances. These tools are not intended to provide investment, legal, tax or accounting advice. All examples are hypothetical and for illustrative purpose only. All calculations are based on user inputs and do not reflect any guarantee of expected savings or tax advantages. All user input is private and secure. We don't collect any of the personal information that you provide or save any of the outputs. All loans are subject to approval and credit terms may vary. You may wish to consult a reliable financial advisor.

MOVE YOUR LOAN

Refinance to Lower  
Your Current Payment.

Fall in love with your vehicle again. We offer auto loan refinancing for existing car loans from other institutions, in order to take advantage of our great low rates.

Refinance Online

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ALL CHARGED UP

Bundle Your EV and Home Charging Station.

A Genisys Electric Vehicle Loan can include the costs related to charging stations. A home charging station can make owning an electric vehicle a convenient experience.

Learn More

Knowledge Center

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Research Before You Buy

Research car values and use our payment calculators to compare financing options.

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NADA New Car Research

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Buying a Vehicle

Shop our local Partner Dealerships who have “On-the-Spot Financing” through Genisys Credit Union for your Auto and RV needs.

Auto & RV Dealerships

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Protecting Your Purchase

Protect your vehicle and your financing with competitive products from Genisys Credit Union. Click below to see what programs are available.
Protection Programs

 

Vehicle Loans FAQs

Get Started

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