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 Worried about your credit history?
Been turned down before? Skip the big banks that only look at your credit score and then sell off your loan to some other corporation. We know our members, and our members know us. That allows us to make loans that might not otherwise be possible. It’s a beautiful arrangement.
Financing is available for members with ITINs. Talk to a loan officer for details.
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Auto loans
Apply here
Whether you’re considering a new or used vehicle, buying from a dealer or a private seller, make Guadalupe Credit Union your first stop. We offer rates and terms that fit your budget and put your best interests first.
- Pre-approvals: talk to one of our loan officers for pre-approval before you hit the dealerships and shop with confidence.
- Refinance: got your last car loan somewhere else? Give us a call—we can probably save you money.
- Terms up to 60 months, 100% financing available
- Get the same great rate, whether you buy new or used
- Low-cost insurance and warranty options available. Click here for more info.
- Get an even better deal when you purchase a repossessed vehicle from Guadalupe Credit Union. Visit our Auto Center for a complete listing of vehicles currently available, as well as tips for buying a car you’ll love.
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Share- and Certificate-Secured Loans
Apply here
These loans are the perfect way to build or rebuild your credit. Money can be pledged from any GCU share savings account or a GCU certificate to secure the loan. You get an extremely low rate on your loan, you don’t have to spend your savings, and when you make regular on-time payments, you build good credit history.
- Pledged funds are put on hold and become available for withdrawal as the loan principal decreases.
- Fixed or variable rate options available.
- Share-Secured VISA credit cards also available. Click here for more information.
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Motorcycles and Recreational Vehicles
Apply here
GCU offers loans for a variety of other vehicles, including motorcycles, ATVs, personal watercraft, boats, trailers, recreational vehicles and campers.
- Pre-approvals: talk to one of our loan officers for pre-approval before you hit the dealerships and shop with confidence.
- Terms up to 120 months for RVs, boats and campers. Get up to 84 months for motorcycles, ATVs and personal watercraft.
- 100% financing available
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Check Guard line of credit
Apply here
This line of credit gives you peace of mind, knowing that you have access to credit any time you need it. It can be set up to cover checking overdrafts and can be used a safety net in case of emergency.
- Maximum credit limit up to $15,000 (combined Check Guard, Signature and GCU Credit Card limit)
- Access anytime, anywhere through Home Banking, audio response, by phone or in person.
- Can be used to refinance or consolidate existing loans.
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Signature Loan
Apply here
For large expenses such as medical emergencies, or even to help you take a vacation, a Signature Loan can be a great option. Unlike a line of credit or credit card, a Signature Loan gives you better control over your finances with set payments and a set payoff date.
- Maximum credit limit up to $15,000 (combined Check Guard, Signature and GCU Credit Card limit)
- No prepayment penalty (as with all GCU loans)
- Can be used to refinance or consolidate existing loans.
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Mobile home loans
Apply here
We finance and refinance new or used mobile homes in Santa Fe, San Miguel, Rio Arriba, Bernalillo and Sandoval counties.
- Terms up to 120 months, 100% financing available
- Get the same great rate, whether you buy new or used
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Smart Cash Payday Loan Alternative
Apply here
Need cash right now? We can help! Smart Cash is a great alternative to predatory payday lenders. Quick loans up to $500 available at all GCU branches.
- Easy application and instant approval right at the teller line
- Fee is only $12 per $100 borrowed
- GCU membership not required
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| >> Click here for Mortgages and Home Equity Loans |
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Get a 0.25% discount
on your loan rate with automatic payroll deduction. | |
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. 