The Credit Union Difference
Purchase a new or used vehicle, or refinance your current loan. Rates as low as 2.29% APR*.
We have the perfect auto loan to fit your needs. Our loan department is here to serve you, so that you can be sure you are getting a low rate and unparalleled service. All of our auto loans offer great rates and flexible terms that suit your budget. Our members also enjoy:
- Superior rates, lower than industry averages
- Loan terms up to 84 months
- Simple online application that can be completed in minutes
- Convenient E-Sign loan documents means you don't have to come into a branch
- Deferred first payment for 90 days
- Refinance an existing loan
- "Skip" up to two payments each calendar year
- Discounts on Insurance
- GAP Coverage
GAP (Guaranteed Auto Protection) Coverage helps pay off your remaining loan balance if your vehicle is stolen or damaged and is deemed to be a total loss. GAP is inexpensive and can be included as a small addition to your monthly payment. A member can purchase GAP coverage up to 18 months after the loan inception date through a waiver. Learn More
- Extended Warranty
Protection is available for both new and used automobiles, even the car you are currently driving in some cases. Coverage is available for vehicles up to 11 years old and up to 150,000 miles. Your vehicle DOES NOT have to be in manufacturer's warranty and DOES NOT require an inspection to qualify if you're refinancing. Learn More
- Roadside Assistance
Member’s Roadside Advantage was created exclusively for credit union members to help you save on a wide range of roadside assistance services and other travel benefits. Wherever the road leads you, you and your family can enjoy peace of mind with fast, friendly roadside assistance. Whether it's a flat tire, dead battery, lockout or other roadside issue – you are covered. Member’s Roadside Advantage Assistance Hotline is available 24/7, whenever you need it. Simply give us a call, and we will work hard to get you and your loved ones back on the road quickly and safely. Learn More
- Paintless Dent Repair
Paintless dent repair (PDR) effectively removes dents and door dings from your vehicle's metal panels without the need to repaint or perform traditional body work. Removing dents and door dings will not only retain the resale value of your vehicle, it also prolongs the pride of ownership. PDR can be purchased during your loan process or for any vehicle you currently own! Learn More
- Exclusive Resources and Services
New member applicants may not be eligible for unsecured loan applications for a period of 90 days. All unsecured loan applications may require additional review and verification during the application process.
No loan applications will be considered until membership applications have been completed and all information including identification verified.
What to Expect When You Apply
A decision will be made
Sign loan documents via
Frequently Asked Questions
Yes, you can refinance your car loan at any point.
Yes, you must open a savings account to become a member before you can apply for a loan. Once you are a member, you can immediately apply for a loan.
Yes, you can make a payment via phone or ACH. Please review our fee schedules for phone payments.
Please contact our Loan Department at (800) 749-9732 to discuss your loan options.
To receive an update on your loan application please contact our Loan Department at (800) 749-9732.
A loan pre-approval is good for 30 days. When you find a vehicle you will tell the dealer you have been pre-approved from the credit union. Getting pre-approved first is a great way to know what price range to shop in.
Buyer/Seller transactions requires all parties to be present at one of our branches with the following:
- Copy of ID of all parties named on the title
- Sign all title work (must have original signatures)
- Copy of ID for buyer
- Copy of proof of auto insurance
- 6.25% sales tax will be collected
- $35.50 in title fees
- Copy of ID of all parties named on the title
Please submit proof of insurance for your auto loan to the address below. Proof of insurance must show that we are the lien holder on the vehicle with full coverage insurance and the amount of deductibles for comp and collision protection.
Greater Texas Credit Union
P.O. Box 15023
Lenexa, KS 66285-5023
Or call 1-800-476-7330 Fax: 1-913-268-3178
Within ten (10) days of the funding date of a loan, proof of insurance is required to be furnished by the member of their agent. If proof in the form of a copy of the insurance policy is not provided, insurance to cover the value of the vehicle will be issued and the cost of the premium is added to the current loan balance. Insurance covering the vehicle issued on behalf of the credit union is not liability insurance, and does not satisfy any state financial responsibility or no fault laws.
Maximum age of a used motor vehicle to be eligible for financing is ten (10) years from the current calendar year.
To be eligible for financing, a used motor vehicle’s mileage must be less than 150,000 miles.
The credit union is unable to finance vehicles registered out of the state of Texas. Please contact the loan department for more information on out of state vehicle transactions.
*APR=Annual Percentage Rate. Terms and conditions apply. Rate is for loan terms up to 36 monthly payments of $28.41 per $1,000 borrowed. Rate is based on credit approval and subject to change. Additional discounts do not apply. Promotion applies to new money loans for purchase or competitor refinance only.
|As low as3.49%APR||Max Term84Months|