GOLD Auto Loan Rates

The ride you want is within reach

Turn to GOLD Credit Union to help simplify the auto loan process. Shopping for a new (or new-to-you) car, truck, or motorcycle can be stressful, but financing your purchase doesn't have to be. GOLD Credit Union offers competitive loan rates, quick approvals, and personal service.¹

Excellent rates that beat industry averages
Flexible terms to meet your needs
No monthly fees or prepayment penalties
Fast, free online loan application
Optional GAP Insurance
Ability to finance taxes, tags, titling fees, and GOLD ancillary products

Better still? Get pre-approved today for extra negotiating power at the dealership. Don't get stuck at the lot without GOLD to back you up.

Want to figure out how much you can afford? Use our handy auto loan calculator to determine a comfortable purchase price and estimated monthly payments.

Rates effective 05/01/2023

New & Used Vehicle Loan
Terms	APR¹ as low as
Up to 36 Months	5.49%
37-48 Months	5.99%
49-60 Months	5.99%
61-72 Months	6.25%
73-84 Months	6.99%

_{¹ APR=Annual Percentage Rate. Credit Union eligibility and membership are required prior to opening an account or loan. Rate, term, and loan amount vary. APR will vary based on credit review. Approval based on credit review and collateral evaluation. Not all applicants will qualify for approval. Other terms and conditions may apply. See credit union for details.}

Apply Online

Save More on Your GOLD Loan

Members with GOLD Medal Checking² are eligible for a relationship pricing discount³ on select new loans with GOLD when automatic payments are enabled. You can save 0.25% on the applicable annual percentage rate of new GOLD Auto Loans. Don't have GOLD Medal Checking yet? We'll walk you through how it works and the perks, and we can even open the account for you right alongside processing your loan.

² To maintain eligibility for a GOLD Medal Checking account, members must have a minimum of $850 per month in deposits, $750 per month in withdrawals, and an active GOLD Debit or Credit Card. If the account does not meet these requirements for six consecutive monthly statement periods, the account will be converted to the GOLD Standard Checking account by the end of the seventh monthly statement period. Fees could reduce earnings; see fee schedule. ³ GOLD Medal Checking account holders are eligible for a .25% discount of the applicable annual percentage rate on new fixed rate home equity, auto, recreational vehicle, and personal loans. Discount is not retroactive to loans funded prior to opening GOLD Medal Checking. Direct deposit and automatic payments must be set up for the new loan to be eligible. If automatic payments are disabled or member no longer holds a GOLD Medal Checking account, loan rate discount will be removed effective at the time of the change in status. Monthly payments are calculated at the non-discounted rate. Not all applicants will qualify for loan approval. Other terms and conditions may apply. See credit union for details.

Transfer your current loan and save

If you have a current loan and are unhappy with your rate, refinance with GOLD Credit Union. We'll help you lower your rate, payment, or both!¹

In just a few minutes, you'll be on your way to lowering your monthly payments. Here's how refinancing with GOLD Credit Union can help:

Lower your interest rates. Our member-focused rates are often significantly lower than what's offered by other lenders.
Extend your term. By extending your term, we can spread out your remaining balance to make each monthly payment smaller.
Pay off your loan sooner. With custom scheduling and no prepayment penalties, you can set up monthly, biweekly, or weekly payments aligned with your goals. Combine that with our low rates, and you'll have your loan paid off in no time.

Refinancing is available for cars, trucks, motorcycles, boats, and RVs.

Plus, GOLD also has the ability to finance your taxes, tags, titling fees, and GOLD ancillary products, including GAP Insurance and Extended Vehicle Warranties, above 100% of the vehicle loan value.

You rely on your vehicle.

A vehicle service agreement keeps life running when your car isn't.

It's bad enough when your car breaks down and your schedule is disrupted. When the bill to get your vehicle up and running again is significant, your finances are disrupted too. We believe you shouldn't have to worry about how to pay expensive repair bills.

Our Vehicle Service Agreements are affordable, customizable, and allow you to choose your repair facility. Coverage is available for vehicles 12 years old or newer, under 150,000 miles, and financed or owned outright.

Give us a call and know that when something goes wrong, you're covered: 484-223-4216.

We've got you covered

GOLD Credit Union offers Guaranteed Asset Protection (GAP) Insurance on loans for new or used cars, trucks, RV's and motorcycles. This coverage is designed to help you pay for your loan should your vehicle be stolen or totaled.

We understand that ownership involves more than just the cost of your car, truck, RV's or motorcycle. Insurance settlements are based on the actual cash value of your vehicle — not the outstanding loan balance. GAP Insurance can help you cover these out-of-pocket expenses that could otherwise wreck your finances.

Learn more about our GAP Insurance.

Hit the road in less time (and for less money) than you ever thought possible.

Get pre-approved for a GOLD Auto Loan today.

Not yet a GOLD member? Join us today and you'll be eligible to apply for your loan immediately.

Apply For a GOLD Auto Loan

_{¹ Credit Union eligibility and membership are required prior to opening an account or loan. Rate, term, and loan amount vary. Approval based on credit review and collateral evaluation. Not all applicants will qualify for approval. Other fees, terms, and conditions may apply. APR will vary based on credit review.}