Auto Loans

Spice Up Your Ride

Thank you for visiting Gain Federal Credit Union, the home of the PUMPKIN SPICE AUTO LOAN.

We're giving away a second* Keurig K-Slim coffee maker and 100 K-cups to the member who most exemplifies the spirit of pumpkin spice!

Entering is easy:

  • Brew up or buy some coffee
  • Take the pumpkin spiciest photo of your coffee that you can take
  • Post it on Instagram or Twitter with the hashtag #PumpkinSpiceAutoLoan and tag @GainFCU
  • Our panel of pumpkin spice judges will chose the pumpkin spiciest photo to receive the Grand Prize.**

* The entry period for our first contest ran from Friday October 1st through Saturday, October 23. Winner announced before Saturday, October 30 on Instagram, Facebook and Twitter and contacted through the network of their post.
** Winner will be announced before Tuesday, December 7th on Instagram, Facebook and Twitter and contacted through the network of their post. Entries must be submitted by 11:59 pm PDT on Tuesday, November 30th. 

keurig machine

Table data for Car, Truck, SUV, Van - Fixed Rate ( New to Five Years Old )
 Effective 11/17/2021
Term New Vehicle
APR as low as1
Used Vehicle
APR as low as1
Refinancing APR for
GainFCU loans2
No Payments for 90 Days3 Alert Me
24 months 1.49% 1.49% 1.49% Receive a notification when this rate changes
36 months 1.49% 1.49% 1.49% Receive a notification when this rate changes
48 months 1.49% 1.49% 1.74% Receive a notification when this rate changes
60 months 1.49% 1.49% 1.99% Receive a notification when this rate changes
72 months 1.49% 1.49% 2.49% Receive a notification when this rate changes
84 months 3.04% 3.04% 3.04% Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 3.04% APR1 for 84 months would result in 84 payments of $339. 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 vehicles year models 2017 or newer and with less than 125,000 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.
  • 1APR = Annual Percentage Rate. This is a promotional rate which is good through 12/31/2021. Promotional rate applies to loans which are new to GainFCU. Refinances of existing Gain FCU loans are not eligible for this rate. All rates subject to change without prior notice.
  • 2APR = Annual Percentage Rate
  • 3Available for vehicles 2017 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.

Table data for Car, Truck, SUV, Van - Fixed Rate ( Six to Nine Years Old )
 Effective 08/01/2021
Term New Vehicle
APR as low as1
Used Vehicle
APR as low as1
Alert Me
24 Months 2.75% 2.75% Receive a notification when this rate changes
36 Months 2.75% 2.75% Receive a notification when this rate changes
48 Months 2.75% 2.75% Receive a notification when this rate changes
60 Months 2.75% 2.75% Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 2.75% APR1 for 60 months would result in 60 payments of $461. 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 vehicles year models 2013 to 2016 and with less than 180,000 miles. "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. No prepayment penalty.
  • 1APR = Annual Percentage Rate

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

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 our Auto Expert, Simon Ueng, call (714) 402-2850.

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?

Do you have bad credit or no credit? 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 look, because we know how to help you save money.

It doesn’t matter if you need to refinance a high interest rate loan, are a first-time buyer, or need a new commuter car, we’re committed to getting you the best rates possible. Dealerships may offer attractive financing, but lower credit scores lead to higher interest rates, and that means higher payments.

Our program was developed to empower the credit-challenged with the opportunity to save money on their auto loans. That's why for every 12 consecutive JumpStart Auto Loan payments made on time, the interest rate will drop by 1% automatically.

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.

Apply For a Loan

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

Here are the full details:

• Loans start with a competitive interest rate.
• That rate will drop by 1% every time 12 consecutive payments are made (Monthly payment will not change).
• Skip-a-Payments are excluded from the program.
• If a payment is late by more than 7 days, this will restart the payment count.
• The maximum number of rate reductions is five (5) depending on the term of the loan granted and payment history.

Program Requirements

• No Vehicle over 7 model years
• MAX LTV of 110%
• Motorcycles are excluded
• Minimum monthly payment allowed is $100

Table data for Jump Start Auto Rates - Fixed Rate ( New to Seven Years Old )
 Effective 09-20-2021
Term New
APR as low as
Used
APR as low as
Alert Me
60 months 10.25% 10.25% Receive a notification when this rate changes
72 months 10.50% 10.50% Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 10.25% APR1 for 60 months would result in 60 payments of $556.00 . 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 year models 2015 or 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.

DPGAP-0511-DBEA