Auto Loans As Low As 5.50% APR1 For 5 Years

Whatever You Want To Drive ... Drive It For Less

Drive what you want to drive. Drive where you want to drive. And drive how you want to drive (as long as it's legal). We're fine with whatever you want to do, but we're not fine with you paying too much on your Auto Loan. That's why we do what we want to do; which is to offer rates as low as 5.50% APR1 on a 5-year auto loan. 

Table data for New or Used Car, Truck, SUV, Van* - Fixed Rate (Up to Four Years Old)
 Effective 06/01/2024
Term Promotional APR As Low As1 Standard APR As Low As1 No Payments for 90 Days2 Alert Me
24 months 5.50%
Receive a notification when this rate changes
36 months 5.50%
Receive a notification when this rate changes
48 months 6.00%
Receive a notification when this rate changes
60 months 5.50% 6.50%
Receive a notification when this rate changes
72 months 6.00% 6.75%
Receive a notification when this rate changes
84 months 7.00%
Receive a notification when this rate changes
$25,000 loan financed at 5.50% APR for 60 months would result in 60 payments of $477.68. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Exclusions apply. Visit for full details. Promotion may be canceled or changed at any time without prior notice. Offer valid from 6/1/2024 to 8/31/2024.
* Excludes Cargo Vans, for Van Conversions refer to RV loan Rates.
  • 1APR = Annual Percentage Rate
  • 2Available for vehicles 4 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.

None of the stress. All of the fun. Auto Expert.

Car buying is expensive, time consuming and can take a lot of effort on your part. We're here to make it easy with Auto Expert, our convenient and hassle-free auto buying service dedicated to saving members time and money.

  • Save time - Let Auto Expert hunt down the car you want
  • Save money - An average of $1,600 through volume discount pricing
  • Save even more money because there is no fee to use Auto Expert
  • To speak with a representative from Auto Expert, call (800) 359-4567.

Gain FCU is not affiliated with Auto Expert and is a separate entity.

This is just one episode of The Better Banking Podcast. Download all episodes to hear more!

The Better Banking Podcast

Subscribe on Apple Podcasts
Subscribe on Google Podcasts
Follow us on Stitcher
Follow us on Spotify

Protect your car today with iLocate GPS

Keep track of your vehicle right from your phone. Set speed alerts, create boundaries or work with police to track your vehicle in the event it is stolen. Purchase one for each of your vehicles; whether it's your daily commuter, your treasured classic car or your motorhome sitting in storage. You don't need to have a loan with us to purchase the iLocate system. It’s only $599 and includes installation and 3 years air time.

Call us at (818) 846-1710 to learn more about iLocate and how it can help you. 

Vehicle Location
Find and track your vehicle from anywhere at any time.

Stolen Vehicle Recovery
Works with local Police to quickly locate and recover your vehicle

Boundary Alerts
Create boundaries that will alert you when your vehicle enters or exits an area

Vehicle Alerts
Know when your battery is low and set mileage alerts to keep track of your vehicle maintenance

Speed Alerts
Receive notifications when your vehicle exceeds a set speed

Fail safe backup
Continues to work even if power is cut and will alert you if the gps device is ever disconnected

JumpStart Auto Loan

How much is Bad credit costing you?

Poor credit or low credit scores can lead to higher interest rates, and that means higher payments. A JumpStart Auto Loan from Gain could be the answer! If you are paying too much for your auto loan now, it’s time to give Gain a call, because we know how to help you save money.

It doesn't matter if you need to refinance a high interest rate loan from the dealership or another lender or if are a first-time buyer making your first purchase, we’re committed to getting you the best rates possible. This program was developed to empower the credit-challenged with the opportunity to save money on their auto loans.

If you currently have an interest rate higher than 11.5%, please give Gain the opportunity to beat the rate. It’s simple to apply, and you can do it right here on

Apply For a Loan

If you have questions or want more information, give us a call at (818) 846-1710.

Here are the full details:

  • Loans start with a competitive interest rate.
  • Skip-a-Payments are excluded from the program.
  • If a payment is late by more than 7 days, a late charge will apply.
  • The maximum loan term we offer is 72 months.
  • No Vehicle over 7 model years
  • MAX LTV of 110%
  • Max milage is 100,000 or less
  • Motorcycles are excluded
  • Minimum monthly payment allowed is $100

Table data for Jump Start Auto Rates - Fixed Rate ( New to Seven Years Old )
 Effective 01/03/2024
Term New
APR as low as
APR as low as
Alert Me
60 months 12.00% 12.00% Receive a notification when this rate changes
72 months 13.00% 13.00% Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 12.00% APR1 for 60 months would result in 60 payments of $556.31. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates advertised are best available for Jump Start program, vehicles seven years old and newer and with less than 100,000 miles. No prepayment penalty. "As low as" rates listed are our best fixed rates on approved credit. Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances, we may require borrowers to purchase Guaranteed Asset Protection on new and used auto loans.

Prevent a serious financial breakdown.

We offer two services which can help ease the burden of unexpected expenses.

GAP protects against high-cost losses.

Guaranteed Asset Protection (GAP) helps cover the difference between your primary insurer's settlement and the balance of your vehicle loan.
(Approximate cost $569. See Credit Union for details.)

Mechanical Repair Coverage could save you thousands.

As your car ages and racks up the miles, it could also rack up some big repair bills. Mechanical Repair Coverage (MRC) pays for covered mechanical repairs. It also protects you from the potential cost and inconvenience of covered breakdowns.

Protect your loan. Help preserve your standard of living.

Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen. You're betting you can pay back your loan and you won't lose your job (to no fault of your own), or become disabled (due to injury or illness), or pass away, leaving your family responsible for your loan balance. You don't want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.

Protection that matters.

If a protected life event happens to you, Debt Protection will cancel or reduce repayment of your loan debt-helping to lessen your worries about paying loans during a time when your income may be reduced or lost and paying other bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Help play it safe.

Debt Protection* is a voluntary loan-payment protection product that helps ease the financial burden of delinquency, default, or foreclosure if a protected life event happens to you. And, simple eligibility requirements ease the enrollment process.

For more information call us at (818) 846-1710.

*Debt Protection is a product offered by Gain Federal Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact a loan officer for additional information on benefit maximums, eligibility, limitations, and a copy of your contract.