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Get a great rate and a lower monthly payment

Used Purchase Auto Loans

$50 Gas Gift Card

Make your new-card-smile even bigger! Right now, when you finance a new, used or refinance auto loan with Gulf Winds, get a $50 gas card.


*$50 Shell Gas Card received for any new Gulf Winds Federal Credit Union auto loan closed between March 20, 2017 and March 31, 2017. Promotion ends March 31, 2017. Auto loans for new or used car purchase or refinance qualify for $50 Shell Gas Card. $50 Shell Gas Cards will be received within two weeks of the end of the promotion. $50 Shell Gas Cards will be mailed to the account address on file with no exceptions. $50 Shell Gas Cards will not be available in branch. Not responsible for undelivered gas cards.

Our low-fixed rates and flexible payment options mean you can afford the vehicle you want. Get your next auto loan with Gulf Winds.

Gulf Winds offers:

  • Rates as low as 1.49% APR
  • Flexible Payment Options
    • 36 months; a shorter term means you'll pay off your car sooner
    • Up to 84 months; lower your monthly payment even more
  • No Payments for 90 Days
  • Simple Loan Application
  • Pre-Approved Rate and Term Good for 30 Days
    • Lock in your rate and term
    • Have time to find your perfect vehicle
  • Access to the Gulf Winds Car Buying Service powered by TRUECar
  • Auto Loan Protection
    • Protect your loan with Extended Warranty, Guaranteed Asset Protection (GAP) and Credit Life & Credit Disability on your auto loan.
Get Started Now!

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Visit your local branch or call us toll-free at 1.800.650.6328.

Used Auto Loan Rates
Term APR Range Est. Payment/$1,000 Borrowed
36 months 1.49% - 12.49% $28.42 - $33.45
66 months 1.99% - 15.99% $16.01 - $22.87
75 months 2.74% - 17.49% $14.52 - $22.01
84 months 3.99% - 5.99% $13.66 - $14.60

Rates as of . Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual APR may vary based on the applicant's credit history and underwriting criteria. Add 1% APR for any vehicle with over 75,000 miles.

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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.


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