Gulf Winds branches and Contact Center will be closed on Monday, January 18, in recognition of Martin Luther King, Jr. Day. Beginning Tuesday, January 19, our lobby and curbside services will only be available by appointment to protect the health and safety of our members and team members. Learn more about these changes with a message from our CEO/President, Chris Rutledge.

Shopping for a car? Check our rates first.

Auto Loans

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.

Our low auto loan rates are the same whether you're purchasing a new or pre-owned vehicle or would like to refinance your current auto loan from another lender.

All Gulf Winds auto loans offer:

Low loan rates
Flexible repayment options
No payments for 90 days
Simple loan application
Pre-approved rates and terms good for 30 days

Get Started Now!

We're ready to help you get on the road. Give us a call at 1.800.650.6328 or apply online below:

Apply Online Now

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.

Learn More | Apply Online Now

Used Purchase Auto Loans

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

Learn More | Apply Online Now

Refinanced Auto Loans

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

Learn More | Apply Online Now

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.

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.

Apply 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.

Apply Online Now