Auto

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.

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

iLocate vehicle recovery and GPS service

Table data for Car, Truck, SUV, Van - Fixed Rate ( New to Five Years Old )
 Effective 11/1/2019
Term New
APR as low as1
Used
APR as low as1
Alert Me
24 months 2.49% 2.49% Receive a notification when this rate changes
36 months 2.49% 2.49% Receive a notification when this rate changes
48 months 2.74% 2.74% Receive a notification when this rate changes
60 months 2.99% 2.99% Receive a notification when this rate changes
72 months 3.49% 3.49% Receive a notification when this rate changes
84 months 3.99% 3.99% Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 3.99% APR1 for 84 months would result in 84 payments of $342 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 2015 or newer and with less than 125,000 miles. "As low as" rates listed are our best fixed rates on approved credit and include a .50% rate discount for Automatic Payment (AutoPay). 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 Auto Protection on new and used auto loans. Rates are .50% higher without AutoPay.
  • 1APR = Annual Percentage Rate

Table data for Car, Truck, SUV, Van - Fixed Rate ( Six to Nine Years Old )
 Effective 11/1/2019
Term New
APR as low as
Used
APR as low as
Alert Me
24 Months 3.49% 3.49%
36 Months 3.89% 3.89%
48 Months 4.25% 4.25%
60 Months 4.25% 4.25%
Representative Example: A $25,000 loan financed at 4.25% APR1 for 60 months would result in 60 payments of $464. 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 2011 to 2014 and with less than 180,000 miles. "As low as" rates listed are our best fixed rates on approved credit and include a .50% rate discount for Automatic Payment (AutoPay). 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 Auto Protection on new and used auto loans. Rates are .50% higher without AutoPay.

JumpStart Auto Loan

Is bad credit costing you a fortune?

Lots of banks and dealerships can get you financing, even if you have poor credit. But a low credit score means a high interest rate, and that translates into seriously high monthly payments.

At Gain, members with challenged credit who opt for our Jump Start loan will have the opportunity to earn a better interest rate and save money just for paying on time. We call this program the “Interest Rate Improvement Program”. Our goal is to empower credit challenged members with the opportunity to save money on their auto loans by just making their payments on time. Each time you make 12 consecutive on time payments the interest rate will drop 1% automatically. Here’s how it works: 

  • After 12 consecutive on time payments the interest rate will drop 1% automatically (There is no change to the monthly payment).
  • Excludes skip-a-payments used.
  • If the member is late by more than 7 days, then the payment is considered late and the payment counter starts over.
  • The maximum possible rate reductions you can earn are five (5) depending on the term of your loan and payment history.

Please speak with a loan officer for more information.

Get a payment you can actually afford.
The JumpStart Loan from Gain Federal Credit Union, could put you on the road to better credit while saving money on your auto loan payments – whether you’re opening a new loan or refinancing an existing loan from another lender.

It’s roadside assistance for your money.
If you’re paying rates of 15% APR* or higher, contact us today. Our experienced loan officers will review your individual situation and help save you money on your car loan.

JumpStart Roadside Kit

Table data for Jump Start Auto Rates - Fixed Rate ( New to Five Years Old )
 Effective 11/1/2019
Term New
APR as low as
Used
APR as low as
Alert Me
60 months 11.99% 11.99% Receive a notification when this rate changes
72 months 12.59% 12.59% Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 11.99% 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. "As low as" rates listed are our best fixed rates on approved credit and include a .50% rate discount for Automatic Payment (AutoPay). 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 Auto Protection on new and used auto loans. Rates are .50% higher without AutoPay.

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
  • Call our Auto Expert Advisor, Robert Pierce at (213) 819-6362

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