Research & Compare Vehicles, See What Others Paid (Powered by TrueCar).
Get Upfront Pricing from Certified Dealers in the Network.
Resources to Help You Prepare Before Visiting a Dealer.
Easily Get a GEICO Auto Insurance Quote for Your New Ride.
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The GEICO Car Buying Service: Your Research Partner+
The GEICO Car Buying Service, powered by TrueCar, is a valuable tool for U.S. consumers. It allows you to research new and used cars, see what others in your area paid for similar vehicles, and get upfront, guaranteed savings off MSRP on new cars from a network of TrueCar Certified Dealers.
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Getting Your New Car Insured with GEICO+
After you’ve found your car and arranged financing, don’t forget the crucial step of auto insurance! GEICO makes it easy for U.S. customers to get a fast, free quote and set up coverage for your new vehicle.
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Using the GEICO Car Buying Service with Confidence+
The GEICO Car Buying Service, through its TrueCar partnership, aims to provide a transparent car shopping experience. You can see dealer-guaranteed prices, search a broad inventory of new and used cars, and in many cases, access free CARFAX reports for used vehicles.
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Preparing for Auto Financing+
Once you’ve used the GEICO Car Buying Service to find a vehicle, the next step is securing financing. GEICO Employees and their families may be eligible for auto loans through the GEICO Credit Union, a separate financial institution with its own membership criteria.
Top Auto Loan Options in the US
- Bank of America Auto Loans: If you’re looking for a lender that covers all the bases, Bank of America offers financing that works whether you’re buying from a dealership or directly from a seller.
- Capital One Auto Navigator: Capital One puts the power of comparison in your hands before you visit the dealership. With a soft credit check and real-time rate previews, you can browse vehicles, estimate payments, and get prequalified
- PenFed Credit Union: PenFed delivers serious value to its members with low auto loan APRs and generous repayment terms.
- LightStream (a Division of SunTrust Bank): For buyers who want ultimate freedom in their car search, LightStream offers unsecured loans that don’t require the vehicle as collateral.
- GEICO Credit Union Auto Loans: GEICO Credit Union extends its reach beyond insurance by offering vehicle loans with a user-friendly digital experience. From dealership purchases to refinancing and lease buyouts, GEICO members can enjoy streamlined loan management and competitive financing built around convenience.
Traditional Bank Financing vs. GEICO
Banks like Bank of America and Chase offer solid loan options with competitive rates, especially for existing customers. But comparing loans can be time-consuming. In contrast, GEICO partners with GEICO Credit Union, giving members a more personalized financing experience along with tools like their Car Buying Service to simplify the entire process.
GEICO Credit Union Auto Loans
GEICO Credit Union offers auto loans for both new and used vehicles with flexible terms tailored to your credit profile. Members can manage loans online, and GEICO’s Car Buying Service powered by TrueCar® makes shopping easy and transparent. While exact APRs vary, this service combines financing, car search, and exclusive member perks—all in one place.
Online Lenders vs. GEICO
Online lenders like Carvana and LightStream offer digital convenience, but only show their own rates. GEICO Credit Union, paired with tools like the TrueCar buying service, lets you explore vehicles, compare options, and finance with confidence—all under the GEICO umbrella.
Unsecured Personal Loans
Unsecured personal loans are an option for private sales or older vehicles, but they usually have higher rates. While GEICO Credit Union focuses on secured vehicle financing, members benefit from better terms, lower risk, and tailored support.
Buy Here Pay Here vs. GEICO Credit Union
BHPH dealerships serve buyers with poor credit—but often at the cost of high APRs, limited vehicle choices, and minimal protections. GEICO Credit Union offers a safer, credit-friendly alternative, with financing designed to help members build credit responsibly and shop smarter.
How GEICO Auto Loans Impact Credit & Finances
Financing through GEICO Credit Union can boost your credit score with on-time payments. Loan inquiries made in a short window count as one, minimizing score impact. With tools like GAP coverage, online payment management, and prequalification guidance, GEICO helps protect your credit and your car.
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