Credit union · NCUA insured
Gesa Credit Union Auto Loan Rates
Gesa Credit Union auto loans start at 6.14% APR for a new vehicle and 6.39% for a used one. Rates checked October 22, 2026.
How Gesa Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kennewick, WA, where Gesa Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Gesa Credit Union
6.14%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
New Auto Loan
Lowest rate
Numerica Credit Union
4.99%APR
- Terms
- up to 84 months
- Up to
- 15.24% APR
- Discount
- Included in the rate
2nd-lowest rate
HAPO Community Credit Union
5.24%APR
- Terms
- —
- Up to
- 17.99% APR
- Discount
- None included
Gesa Credit Union auto loan score
64
Auto loan score
Higher than 11% of U.S. banks and credit unions
- New vehicleNew6.14%
- Used vehicleUsed6.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gesa Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Refinance
Membership with Gesa Credit Union required. Refinance of auto loans currently financed through other financial institutions only (not available for new purchases or existing Gesa loans). Auto loan must be at least 90 days old. Eligible vehicles must be model year 2015 or newer with 125,000 miles or fewer. Includes a $150 documentation processing fee. Ineligible collateral: vehicles greater than one ton, commercial vehicles, salvage, branded titles, lemon-law buy-backs, straw purchases, boats, RVs, motorcycles. Make no payments for up to 120 days (interest continues to accrue). Limited-time offer with $500 cash bonus deposited into member's eligible Gesa savings account within 60 days of loan booking (applications prior to July 1, 2026 do not qualify).
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49%–17.99% | Rates range from 4.49% to 17.99% APR based on creditworthiness, model year, and loan term. Valid for vehicle ages 2015 and newer refinanced from other lenders. Includes 120 days no payment and $500 cash back promotion. |
Sources (1)
- gesa.com/contents/auto-refinance · captured Oct 22, 2026
New Auto Loan
Membership with Gesa Credit Union required. Maximum loan amount is $200,000. Includes a $150 documentation processing fee. Ineligible collateral: salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles. Max advance based on approved credit tier plus tax, license, and dealer add-ons.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.14% | Vehicle age 2020+. Rate as low as 6.14% APR. Maximum term 36 months. Subject to credit qualification. |
| up to 48 months | 6.14% | Vehicle age 2020+. Rate as low as 6.14% APR. Maximum term 48 months. Subject to credit qualification. |
| up to 60 months | 6.14% | Vehicle age 2020+. Rate as low as 6.14% APR. Maximum term 60 months. Subject to credit qualification. |
| up to 72 months | 6.37% | Vehicle age 2020+. Rate as low as 6.37% APR. Maximum term 72 months. Subject to credit qualification. |
| up to 84 months | 6.74% | Vehicle age 2020+. Loan amount $15,000+. Rate as low as 6.74% APR. Maximum term 84 months. Subject to credit qualification. |
Used Auto Loan
Membership with Gesa Credit Union required. Maximum loan amount is $200,000. Includes a $150 documentation processing fee. Ineligible collateral: salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles. Max advance based on approved credit tier plus tax, license, and dealer add-ons.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.39% | Vehicle age 2015–2019. Rate as low as 6.39% APR. Maximum term 36 months. Subject to credit qualification. |
| up to 48 months | 6.39% | Vehicle age 2015–2019. Rate as low as 6.39% APR. Maximum term 48 months. Subject to credit qualification. |
| up to 60 months | 6.39% | Vehicle age 2015–2019. Rate as low as 6.39% APR. Maximum term 60 months. Subject to credit qualification. |
| up to 72 months | 6.62% | Vehicle age 2015–2019. Rate as low as 6.62% APR. Maximum term 72 months. Subject to credit qualification. |
| up to 84 months | 6.99% | Vehicle age 2015–2019. Loan amount $15,000+. Rate as low as 6.99% APR. Maximum term 84 months. Subject to credit qualification. |
| up to 60 months | 7.64% | Vehicle age 2014 & Older. Rate as low as 7.64% APR. Maximum term 60 months. Subject to credit qualification. |
Who can join Gesa Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.