| Loan Type | Term (Approximate) | APR* |
|---|---|---|
| Auto/Truck 2023 or Newer Models | To 48 Months | As low as |
| 60 Months | ||
| 72 - 84 Months | ||
| Auto/Truck 2016-2022 Models | To 48 Months | |
| 60 Months | ||
| 72 - 84 Months |
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1
Apply Online
Quick and easy online application.
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2
Sign Your Loan
Agree to the loan amount, rates, and terms.
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3
Get a Check
Use your check to buy your new car.
Apply in 3 Easy Steps
Auto Loan Payment Calculator
Use this calculator to calculate your monthly car loan payment estimate based on the price of the car and see how different loan terms or down payments can impact your monthly payment. Calculations update automatically with changes to the input fields.
Reduce Your Auto Loan Payment
Refinance your auto loan with GHS FCU and save on your rate!
Auto Loan FAQ
How much car can I qualify for?
The amount you qualify for will depend on your income and credit score. We always suggest getting prequalified to know for sure, and then you can shop with confidence.
What is the minimum down payment for a car loan?
In some circumstances, you’ll be able to secure an auto loan with no money down. However, the higher your down payment, the more equity you will have in your car from the beginning. It is recommended that you make a down payment on your loan.
What is a reasonable interest rate on a car loan?
You want the lowest interest rate possible on your auto loan. The national average interest rate is 5.27% on a 60-month loan, so the better your credit profile, the lower the interest rate you can expect.
How soon will I know if my auto loan application has been approved?
Log in to Online Banking to check the status of a loan application. Or, you may call a member service representative at (800) 732-4447 if you do not know your application number.
How long is my loan offer good for after I’m approved?
Rates and terms are subject to change. Loans are subject to credit approval. All rates are determined by creditworthiness and may vary from those shown.
Where can I buy a car with an auto loan from GHS?
We finance both private sales as well as dealership sales. Get pre-approved for your auto loan. Once you’re approved for a loan, make your best deal with the seller!
Why Finance Your Auto Loan With GHS?
| No Hidden Fees | Rate Discounts Available | Fast Credit Decisions |
| You'll know exactly what it will cost to finance your car. No surprises. | Automatic payments from a GHS account can earn you a 0.50% rate discount. | Our quick and easy application takes just a few minutes. |
| Buy from a Dealer or Private Seller | No Prepayment Penalty | Credit Union Membership Benefits |
| Buy wherever you find your dream car. We make it easy for you. | We never penalize you for paying off your loan whenever you're ready. | You get a trusted partner that's on your side and money-saving. |
*APR = Annual Percentage Rate. Rates are shown “as low as.” Rates and terms are subject to change. Contact a GHS Federal Credit Union representative by stopping in or call (607) 723-7962 or toll free at (800) 732-4447 for the most current rates. The rate and term may vary depending on each individual’s credit history and underwriting factors. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee. **On new and late model vehicles, GHS will finance up to 125% of the NADA (National Automotive Dealer Association) retail value plus tax and title.