Shopping for a car? Get Pre-Qualified.

Auto Loans

Get Pre-Qualified and Shop with Confidence

Discover what auto loan rates you qualify for before you buy. Find out in minutes if you qualify for a new, used, or refinanced auto loan with no impact to your credit score.

Get Pre-Qualified Today

A good deal on a vehicle extends beyond getting your best price at the dealership. The loan terms you're offered can make a big difference in what you pay for your car or truck in the long-term. By getting pre-qualified you can understand your potential loan rate and set a budget before you buy.

How it Works?

Complete our easy online application in just a few clicks
In only a few minutes see which one of our low rates you qualify for with no impact to your credit score
Understand your potential loan rate and set a budget before you buy
When ready, apply online for financing

All Gulf Winds auto loans offer:

Low loan rates
Flexible repayment options
No payments for 90 days
Simple loan application

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Auto Finance Options

We offer loans for new and used vehicles as well as options to refinance your current auto loan. Find more information about each option below. All loans offer:

Interest rates as low as 2.99% APR¹
Financing terms up to 84 Months

Actual APR may vary based on applicants' credit history. 1) Rates as low as 2.99% APR for up to 66 months.

New Purchase Auto Loans

When purchasing a new vehicle, our low rates and flexible financing options will help you get the right payment for your budget.

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Used Purchase Auto Loans

You can finance your pre-owned vehicle at a competitive rate with our loans.

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Refinanced Auto Loans

Lower your payment and pay less over the life of your loan when you refinance with Gulf Winds.

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Auto Loan Protection

Protect your loan with Extended Warranty, Guaranteed Asset Protection (GAP) and Credit Life & Credit Disability on your auto loan.

Auto Loan Resources

Tools to help you understand the auto loan process.

Estimate Your Monthly Payment

Loan Calculator Controls

Loan Amount

Term in Months

Monthly Payment

$416

Interest Rate

3.49% APR

This is only an estimate. Your actual terms and rates will vary depending on credit history and the details of the loan. Contact us to get your best rate.

For more details, use our Advanced Calculators.

Auto Finance Frequently Asked Questions

Still need more information before applying for your loan? Check out our answers to some frequently asked auto finance questions below.

Can I get pre-qualified for an auto loan without impacting my credit?

Yes, just complete our online application to check if you are eligible for any pre-qualification offers in minutes with no impact to your credit score.

What’s the difference between being pre-qualified vs pre-approved for an auto loan?

Pre-qualification is a qualifying offer based on a soft credit pull. While pre-qualification shows you what rates you may qualify for with no impact to your credit score, these offers may change based on a full credit check.
Pre-approval requires a review of your credit report and personal information to determine what loan amount and rate you can receive; these rates are good for up to 30 days and require a hard credit pull which impacts your credit score.

How does my credit score affect my auto loan terms?

The information contained in your credit report determines the loan amount you're eligible for, your annual percentage rate, and various other loan terms. Those with lower credit scores will often end up paying more in interest.

Find out more about your credit score so you can make a more informed decision about your auto loan.

Is it better to finance my car loan through a bank or a dealership?

When financing an auto loan through a dealership, you might find that the interest rate offered to you includes a markup. This markup is because a dealer will take the time and effort to submit your financial information to multiple lenders.

With information from different lenders, you'll be able to compare rates to see the loan terms you're eligible for.

Whether you finance your loan through a credit union or car dealership, what's important is doing your research beforehand. Before applying for an auto loan, have a good understanding of your credit score and what you can afford.

Should I get pre-approved for an auto loan?

Getting pre-approved for a car loan will give you a better idea of your budget when shopping for your new vehicle. After talking with finance experts at a bank or credit union, you'll also have a better understanding of the loan terms you'll be eligible for from various lenders.

You can still ask about the rates a dealership can offer you for a car loan. However, by getting pre-approved for a loan, you'll go into the car buying process with more research about your loan eligibility.

Get Pre-Qualified For Your Auto Loan Today

If you still have questions about auto finance and loans, contact us at 1.800.650.6328 to speak to a representative.

Or if you have all the information you need, click the button below to apply for your auto loan today.

Get Pre-Qualified

Financial Wellness Center

Learn the basics about car loans. Wise financial decisions start here. Get Started >