Auto Loans

Sure, it's a short drive to St. Louis, but it's a long walk! You need a good car, and you need it now. GCS is dedicated to helping the members of our community get where they need to go at the lowest possible cost. We'll work to secure the competitively low rates and customized terms the Metro East needs and deserves.

Before you ever set foot on the dealership's lot, drop into GCS Credit Union for access to quick and easy approvals that give you negotiating power when you buy. Our lenders are your neighbors!


View Rates (PDF)

Auto Loans
  • Select from our handy list of dealerships across Illinois and Missouri
  • Up to 120% financing available for qualified buyers
  • Competitively low rates on new or used vehicles
  • A wide range of terms customized to your unique needs
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate/payment
  • Local, Metro East decision-making and processing
  • Helpful, member-first service throughout the entire process

Check out the list of GCS Indirect Auto Dealers. We've provided their contact information and web site links to make your shopping experience easy!

Car Buying Tips

We know how intimidating it can be to make a large purchase, even under the best of circumstances. Here are some links to help you arm yourself with knowledge going into the process.

The U.S. Department of Energy will help you:

  • Understand federal fuel efficiency standards
  • Discover which vehicles meet or exceed those standards
  • Estimate your fuel costs for specific trips
  • Learn more about hybrid and electric cars
  • And much more!

Carfax will help you:

  • Find a local dealer
  • Find a car that fits your needs
  • View both new and used vehicles
  • Obtain the history (order reports by VIN number) of a vehicle you're interested in

Hybrid Offer

GCS also offers a 0.25% rate discount when financing a new hybrid vehicle. Please click the View Rates (PDF) link above for details.

*APR = Annual Percentage Rate. Rates will vary based on credit worthiness. GCS lending guidelines and membership qualifications apply.