Auto Loans
Save money! New, used or refinance.
Finance your new or used vehicle with us and you'll get affordable rates, flexible terms, and fast, friendly service. And no matter what you drive - car, truck, van, or SUV we've got financing to fit your budget.
Prevent a serious financial breakdown.
We offer two services which can help ease the burden of unexpected expenses.
Guaranteed Asset Protection with GAP Plus
If your loan is “UPSIDE DOWN” and your car is deemed a TOTAL LOSS, there could be a big difference between what you still owe and what your insurance company will cover. That's where GAP insurance can help.
Guaranteed Asset Protection (GAP) helps cover the difference between your primary insurer's settlement and the balance of your vehicle loan in the event of total loss resulting from:
- Collision
- Weather
- Theft
Don't get stuck making payments on a car you no longer have.
ANOTHER BIG "PLUS"
The additional “PLUS” benefit can provide a $1,000 CREDIT toward your next vehicle loan if financed with Gain within 90 days of the GAP claim settlement.
Approximate cost $699. See Credit Union for details. Gain FCU is not affiliated with Visual GAP by FROST and is a separate entity.
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.
A Route 66 extended car warranty is a service contract that covers vehicle repairs beyond the manufacturer's original warranty and can help offset repair costs to your vehicle. Mechaincal Breakdown Protection pays for covered mechanical repairs. It also protects you from the potential cost and inconvenience of covered breakdowns.
Ask your Loan Processor for a free quote based on your vehicle year and miles during your next auto loan purchase financed with GAIN.
See Credit Union for full details and coverage quote. Gain FCU is not affiliated with ROUTE 66 and is a separate entity.
This is just one episode of The Better Banking Podcast. Download all episodes to hear more!
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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.
The Better Banking Podcast on Auto Loans
This is just one episode of The Better Banking Podcast. Download all episodes to hear more!
Subscribe on Apple Podcasts
Save to Library on YouTube Music
Save Playlist on YouTube
Listen on Pandora
Follow us on Spotify
Calculate your auto loan payment
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes regarding all personal finance issues. Rates, conditions, and terms may vary based on an individual’s credit worthiness and credit union underwriting guidelines.
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 GainFCU.com.
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
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
| Term | New APR as low as |
Used APR as low as |
|---|---|---|
| 60 months | 12.00% | 12.00% |
| 72 months | 13.00% | 13.00% |
| 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. | ||
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Protect your loan. Help preserve your standard of living.
LOAN PAYMENT PROTECTION
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 bills becomes challenging.
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- Disability Insurance
- Every two seconds, whether around the house, on the job, or just being in the wrong place at the wrong time, someone suffers a disabling injury.
- Death Insurance
- When an unexpected tragedy occurs, payment protection can help pay off your financed loan in the event of death.
- Unemployment Insurance
- If you become unemployed, Involuntary Unemployment insurance can help make your monthly payment for up to 6 months.
- Disability Insurance
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.
DPGAP-0511-DBEA