Loan Rates
Borrowers with no credit qualify for rates under 579 and less paper class.
No-score borrowers due to inactivity, with positive credit history, qualify for rates under the 620-659 paper class.
| Rate Special for Auto Loans |
| Effective Date: October 1st, 2025 |
| For more information on our auto loans, click here. |
| Paper Class | Interest Rate - APR |
| Up to 60 Months |
| 740+ |
3.99% |
| 700-739 |
4.99% |
| 660-699 |
5.99% |
| 620-659 |
8.99% |
| 580-619 |
12.24% |
| 579 and less |
16.24% |
| Rate Special Disclosures: Subject to member eligibility and credit approval. Minimum refinance balance of $10,000 required for refinances from another financial institution (current GCU auto loans do not qualify), or must be a new auto purchase. Offer valid through December 31, 2025, and may change or end at any time. GCU is an Equal Opportunity Lender. |
| Auto Loans |
| Effective Date: July 1st, 2025 |
| Paper Class | Interest Rate - APR |
| Up to 60 Months |
| 740+ |
5.99% |
| 700-739 |
6.99% |
| 660-699 |
7.99% |
| 620-659 |
10.99% |
| 580-619 |
14.24% |
| 579 and less |
18.24% |
| Up to 72 Months |
| 740+ |
6.24% |
| 700-739 |
7.24% |
| 660-699 |
8.74% |
| 620-659 |
11.74% |
| 580-619 |
14.99% |
| 579 and less |
18.99% |
| Up to 84 Months |
| 740+ |
6.74% |
| 700-739 |
7.74% |
| 660-699 |
8.99% |
| 620-659 |
12.24% |
| 580-619 |
15.49% |
| 579 and less |
19.49% |
| Classic Autos & Autos Over 20 Years Old |
| Effective Date: July 1st, 2025 |
| Paper Class | Interest Rate - APR |
| Up to 60 Months |
| 740+ |
7.75% |
| 700-739 |
8.75% |
| 660-699 |
11.00% |
| 620-659 |
14.00% |
| 580-619 |
17.25% |
| 579 and less |
21.25% |
| Recreational Vehicles, Boats, & Camper Rates |
| Effective Date: July 1st, 2025 |
| Paper Class | Interest Rate - APR |
| Up to 84 Months and Under $30,000 |
| 740+ |
7.79% |
| 700-739 |
8.79% |
| 660-699 |
11.04% |
| 620-659 |
13.79% |
| 580-619 |
17.04% |
| 579 and less |
21.04% |
| Up to 120 Months and Over $30,000 |
| 740+ |
8.04% |
| 700-739 |
9.04% |
| 660-699 |
11.29% |
| 620-659 |
14.04% |
| 580-619 |
17.29% |
| 579 and less |
21.29% |
| Unsecured Loans |
| Effective Date: July 1st, 2025 |
| Paper Class | Maximum Limit | Interest Rate - APR |
| 740+ |
$15,000 |
11.49% |
| 700-739 |
$10,000 |
12.49% |
| 660-699 |
$7,000 |
13.99% |
| 620-659 |
$3,000 |
17.49% |
| 580-619 |
$1,000 |
19.74% |
| 579 and less |
$500.00 |
20.49% |
| VISA® Unsecured |
| Effective Date: July 1st, 2025 |
| Paper Class | Maximum Limit | Interest Rate - APR |
| 740+ |
$15,000 |
8.49% |
| 700-739 |
$10,000 |
9.99% |
| 660-699 |
$7,000 |
13.92% |
| 620-659 |
$3,000 |
14.99% |
| 580-619 |
$1,000 |
16.99% |
| 579 and less |
$500.00 |
21.99% |
| Share Secured VISA® |
| Effective Date: July 1st, 2025 |
| Maximum Limit | Interest Rate - APR |
| No Maximum |
13.92% |
| Borrow & Save |
| Effective Date: July 1st, 2025 |
| Maximum Limit | Interest Rate - APR |
| $1,020.00 |
21.90% |
| $770.00 |
21.90% |
| $520.00 |
21.90% |
| $370.00 |
21.90% |
| Smart-E Loans |
| Effective Date: July 1st, 2025 |
| Paper Class | Interest Rate - APR |
| Up to 60 Months |
| 740+ |
6.09% |
| 700-739 |
6.19% |
| 660-699 |
6.29% |
| 620-659 |
6.39% |
| 580-619 |
6.49% |
| 579 and less |
Meet with a Financial Coach |
| Up to 84 Months |
| 740+ |
6.49% |
| 700-739 |
6.59% |
| 660-699 |
6.69% |
| 620-659 |
6.89% |
| 580-619 |
6.99% |
| 579 and less |
Meet with a Financial Coach |
| Up to 120 Months |
| 740+ |
6.49% |
| 700-739 |
6.59% |
| 660-699 |
6.69% |
| 620-659 |
6.89% |
| 580-619 |
6.99% |
| 579 and less |
Meet with a Financial Coach |
| Up to 144 Months |
| 740+ |
7.09% |
| 700-739 |
7.19% |
| 660-699 |
7.29% |
| 620-659 |
7.39% |
| 580-619 |
7.49% |
| 579 and less |
Meet with a Financial Coach |
| Up to 180 Months |
| 740+ |
7.09% |
| 700-739 |
7.19% |
| 660-699 |
7.29% |
| 620-659 |
7.39% |
| 580-619 |
7.49% |
| 579 and less |
Meet with a Financial Coach |
| Up to 240 Months |
| 740+ |
7.09% |
| 700-739 |
7.19% |
| 660-699 |
7.29% |
| 620-659 |
7.39% |
| 580-619 |
7.49% |
| 579 and less |
Meet with a Financial Coach |
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