Drive off into the sunset with the perfect vehicle loan from GenFed! Whether you’re buying a new or used car, we offer competitive rates and fast approval. If you love your car but not your car payment, ask us about refinancing!

You may qualify for a 0.25% discount on your auto loan if:

  • You’re a first time buyer between the ages of 18 and 25.
  • You’re a returning borrower with a current or previous GenFed car loan and you’re between the ages of 26 and 32.
  • You’re buying a new or used hybrid vehicle.*
  • You qualify for our good credit discount and have checking with net pay direct deposit

We also offer financing for motorcycles, RVs, boats, and more.

Vehicle Loan Options

Start your car search here! GenFed offers competitive rates and fast preapproval, plus we can tell you what the dealer paid for the new car you’re looking at, the NADA value of the used car you’re considering, or the NADA value of your trade-in.

  • No payments for the first 90 days*
  • No application fees or pre-payment penalties
  • Financing for up to 100% of NADA retail value for used cars
  • Standard financing up to 66 months
  • Extended financing up to 84 months (120 months for new ATV and boat loans)
  • Refinancing available (we’ll reimburse up to $100 in pre-payment penalties from other lenders)
  • Make bi-weekly payments to save on interest, for no additional fee
  • Skip-a-pay program may allow you to skip a payment around holiday or vacation time

Get Preapproved!

Shopping for a car doesn’t have to be stressful. Instead of trying to figure out what offer is best for you in the high-pressure atmosphere of a car dealership, you can shop with confidence with a preapproved car loan from GenFed.

Get your low-rate auto, boat, motorcycle or RV loan pre-approved and we’ll give you $50 cash when you come back and close your loan!**

Apply Now

You can also apply for your preapproval or loan through online banking, by calling Loan Phone at 877-GF-LOAN-0, or by visiting a branch.

* Interest will continue to accrue over the 90 days.
** Minimum loan amount is $5000.00 and loans with Flex Rate approvals are ineligible. There is a limit of one incentive per member.

For new vehicles, motorcycles, RVs, boats, campers, ATVs

TermAPR as low as
2 years2.99% - Auto
3.99% - RV/Motorcycle/Boat/Camper/ATV
3 years2.99% - Auto
3.99% - RV/Motorcycle/Boat/Camper/ATV
4 years2.99% - Auto
399% - RV/Motorcycle/Boat/Camper/ATV
5 or 5 1/2 years2.99% - Auto
3.99% - RV/Motorcycle/Boat/Camper/ATV
6 years3.49% - Auto
4.99% - RV/Motorcycle/Boat/Camper
7 years4.49% - Auto
5.99% - RV/Boat/Camper

For used vehicles, motorcycles, RVs, boats, campers, ATVs

TermAPR as low as
2 years3.49% - Auto
4.49% - RV/Motorcycle/Boat/Camper/ATV
3 years3.49% - Auto
4.49% - RV/Motorcycle/Boat/Camper/ATV
4 years3.49% - Auto
4.49% - RV/Motorcycle/Boat/Camper/ATV
5 years3.49% - Auto
4.49% - RV/Motorcycle/Boat/Camper/ATV
6 years5.49% - RV/Boat/Camper Only
7 years6.49% - RV/Boat/Camper Only

For new tractors, mowers

TermAPR as low as
2 years4.49%
3 years4.49%
4 years4.49%
5 years4.49%

For used tractors, mowers

TermAPR as low as
2 years5.49%
3 years5.49%

Think you found a better rate? Ask about our Flex Rate program where we’ll attempt to match your best-confirmed offer!

Occasionally, GenFed has repossessed vehicles available for auction. Check for available vehicles often, because you may be able to get a really great deal!

View or download the vehicle information sheet for:

  • vehicle details (may include photos, mileage, NADA value, etc.)
  • which branch to contact for more information
  • where to see the vehicle in person
  • how to submit a bid

Available Vehicles

2016 Subaru Forester 2.5i (10/27/16) – Akron, OH

2012 Nissan Maxima S/SV (11/7/16) – Centralia, IL

Our Co-op Advantage program rewards you based on your total amount of deposit and loan balances with GenFed. Learn more.

*Hybrid as defined by See loan rates page for current rate disclosures.