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Auto Loan

With our free application process, now is the perfect time to purchase your dream vehicle or refinance your auto loan and leave your higher-cost loan behind!  Take advantage of our new or used car loan options, a variety of terms and payment options, and safe ways to protect your loans and credit.  Get pre-approved today so you can head to the dealership with budget peace of mind!

Pay automatically

holderSet up automatic payments and never worry about missing a due date.  Set it up yourself through Online Banking or let us help you by calling or stopping by any GICU branch.

Guaranteed Asset Protection

If your vehicle is damaged or totaled, GAP covers the difference between the current amount on your loan and the assessed value of the vehicle.

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Mechanical Breakdown Protection

When something breaks on your vehicle, don't get stuck holding the bill.  Protect yourself from the cost of unexpected vehicle repairs.  

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Loan Protection

Protect yourself from life's unknowns.  In the event of death, disability, or involuntary unemployment, give yourself one less thing to worry about.

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To submit or receive a copy of an automobile title, please contact our Title Specialist.

RATES As low as 4.99% APR1

Choose GICU and shift into savings today!

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Current Rates

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1) APR= Annual Percentage Rate. Quoted rate is lowest available rate, reflects all possible discounts, and is accurate as of October 1, 2025 for new and used vehicles 2023 and newer with fewer than 45,000 miles. Your rate will be based on your credit history and may be higher. All loans subject to full underwriting procedures and approval. Maximum rate for auto loan is currently 21% APR. Estimated monthly payment example: $23.02 per $1,000 (payment example is based on 4.99% APR and a term of 48 months with 10% down payment). Approved applicants must become a GICU member by establishing a share account with a minimum $5 deposit. Rates and terms subject to change based on market conditions and borrower eligibility.
2) First payment may be deferred up to 90 days and is dependent upon when your loan closes. Interest continues to accrue during the deferred payment period and will be amortized over the monthly loan payments. Commercial vehicles are excluded. Promotion may change or end at any time.
3) Cashback offer is only valid towards qualifying new money of $10,000 or more. Offer excludes all loans already financed at Greater Iowa Credit Union. Cashback amount is 0.5% of the refinanced balance, up to a limit of $500. A refinanced loan of $25,000 would receive $125 cash back. In order to receive the incentive payment, the loan must be open for 90 days and the member must be in good standing with Greater Iowa Credit Union. To be in good standing, all loans and account balances must be current with proper insurance coverage in place. Approved applicants must become a GICU member by establishing a share account with a minimum $5 deposit.
Applicable Fees:  Auto Lien Filing Fee: $20 (Charged in the event Greater Iowa Credit Union needs to place lien on vehicle. Not charged for internal refinances or vehicles purchased from dealer.)

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