GEICO Auto Loans: Simple, Member-Focused Financing

GEICO Auto Loans via GEICO Credit Union offer a strong mix of low rates, fast funding, and decked-out services.

Looking to buy or refinance a car? GEICO Credit Union (formerly BCU) extends convenient, competitive auto financing—especially for GEICO policyholders  . It’s like bundling coverage and credit under one familiar brand. With solid rates, a smooth process, and a helpful car-buying service, this option is ideal for drivers seeking clarity, confidence, and control.

Why Choose GEICO Auto Loans

• Competitive Low Rates
  APRs start as low as 3.64% when financing newer cars (2025+) through their Auto Buying Service, or 4.14% for other models.
• Prequalification Doesn’t Hurt Credit
  Start with a soft credit check to explore rates and monthly payments—no impact on your score.
• Financing Up to 84 Months
  Choose the term that best suits your budget—from short payoff plans to longer, lower payments.
• Quick Funding
  If approved, funds can be sent as soon as the next business day.
• Recreational Vehicle Loans
  Beyond cars, you can finance motorcycles, boats, RVs, ATVs, and personal watercraft.

What to Know Before You Apply

1. Membership Required
   You must be a GEICO Credit Union member. If not yet one, joining is easy and quick.
2. Targeted Newer Models for Best Rates
   The lowest APRs apply to late-model vehicles (2025 or newer); other models qualify at slightly higher rates.
3. Soft vs. Hard Credit Check
   Soft pulls give you estimates. A hard pull—needed when you decide to proceed—will slightly affect your credit.
4. Co-borrowers Welcome
   Need support? You can add a co-borrower or co-signer to improve your approval chances.
5. APR Varies Based on Multiple Factors
   Your actual rate depends on credit score, term length, vehicle age, and whether you use the Auto Buying Service.
6. Standard Credit Union Perks
   Options like autopay, mobile payments, and phone support add to a seamless member experience.

Step-by-Step: How to Get Your GEICO Auto Loan

1. Join the Credit Union
   If you’re not a member, sign up online—approval is quick and easy.
2. Prequalify for the Loan
   Use the credit union’s online form to see your estimated rates and payment options with just a soft credit check.
3. Shop with Auto Buying Service
   Use GEICO’s car-buying tool (powered by TrueCar) to compare fair prices and bundled loan offers.
4. Submit Your Official Application
   Choose your vehicle and terms. A hard credit pull finalizes your exact APR and loan amount.
5. Get Funded Fast
   Once approved, money can be sent to your dealer by the next business day.
6. Pick Your Payment Style
   Enroll in autopay or pay manually online, by phone, mail, or branch visit.
7. Manage Your Loan Easily
   Track balances, setup extra payments, and view statements through GEICO CU’s online portal.
8. Refinance Anytime
   If rates drop later or your credit improves, consider refinancing for better terms.

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