Buy or Re-Fi, New or Used!

Hit the Road! There may NEVER be a Better Time to Buy or Refinance!

Auto Loans as low as 1.90% APR* Fixed

  • 36- month term
  • Minimum loan $500
  • Valid on model years 2011 or Newer
  • Call, stop in or apply online

*APR = Annual percentage rate. All loans subject to credit approval. Rate and term to be determined based on credit worthiness. Rate includes full relationship discount. Refinancing of existing GHS FCU loans does not qualify. Minimum loan amount is $500. Credit union membership required with a $25 minimum deposit and $1.00 membership fee. On a $15,000.00 loan, payment would be $435.55 (e) at 2.90% APR for 36 months.  Monthly payment is example only and will vary based upon loan amount and loan term. Some restrictions may apply. Rates subject to change.


GHS Auto Loan - Affordable Rates for You!

Auto Loans
At GHS you can apply for a loan  to purchase both new and used vehicles, with either variable and fixed-rates, and terms up to 72 months (6 years). On new and late-model vehicles, GHS will finance up to 100% the NADA retail value plus tax and title. GHS also offers loans on recreational vehicles including motorcycles, snowmobiles, campers, and boats. So, stop by or call the GHS Loan Department at (607) 723-7962 before you go shopping for a vehicle.

You can also refinance your non-GHS auto loan with us . GHS's normal underwriting and processing guidelines will apply.

Avoid Buying a Lemon
Making an educated vehicle purchase is easier than ever with the Internet. The  National Highway Traffic Safety Administration web site provides information about vehicle safety. For used autos, check out, where, for a modest fee, you can look up the title to help you avoid costly or dangerous problems. So, do your homework, make your choice, and contact GHS for various financing options.  

Relationship Discount

Our relationship discount provides extra savings on most GHS loans. Members can qualify for 0.25% off their loan by having an automatic monthly payment from GHS checking/savings/payroll.  An additional 0.25% will be taken off  the loan for being an eStatement User (New or Existing). Call the GHS loan department for more information. Binghamton: (607) 723-7962, or Norwich: (607) 334-6461.