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Auto Loans

Rates as low as 2.99% APR*

Get Pre-Qualified

Loan options for the road ahead.

Looking to purchase a new or used vehicle? Want to refinance an existing loan?
Gulf Winds offers a simplified process and competitive rates with no payments for 90 days. Get pre-qualified today with no impact to your credit score.1

New Purchase Auto Loans

Low rates and flexible financing to help you get the right payment for your budget.


  • Interest rates as low as 2.99% APR*
  • Financing terms up to 84 Months
  • Pre-qualification with no credit impact

Used Purchase Auto Loans

Savings that drive you further when buying a new-to-you vehicle.


  • Interest rates as low as 2.99% APR*
  • Financing terms up to 84 Months
  • Pre-qualification with no credit impact

Refinanced Auto Loans

Options to lower your payment and allow you to pay less over the life of your loan.


  • Interest rates as low as 2.99% APR*
  • Financing terms up to 84 Months
  • Pre-qualification with no credit impact
New, Used & Refinanced Auto Loan Rates
Term APR Range Est. Payment /$1,000 Borrowed
36 months 2.99% - 13.99% $29.08 - $34.17
66 months 2.99% - 15.99% $16.45 - $22.87
75 months 3.74% - 17.99% $14.97 - $22.30
84 months 4.79% - 7.84% $14.04 - $15.51

*Rates as of 5/15/2022. 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.

Auto Loan Benefits

If your dream car is new, or just new-to-you, we have you covered.

  • Low interest rates
  • Flexible financing options
  • No payments for 90 days
  • Online account management
  • Simple online application
  • Pre-qualification with no credit impact
  • Auto Loan Protection Options

Get Pre-Qualified

With Gulf Winds, it’s easy to understand your potential loan rate and get the right payment for your budget. 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.

Pre-qualification requires submission of personal information via an easy online application in just a few clicks. You'll quickly see which one of our low rates you qualify for and can set a budget before you buy. These rates are good for up to 30 days so when you're ready, you can move forward with the final application and apply for financing. 

Get Pre-Qualified

Auto Loan Protection 

Protect your loan with Extended Warranty, Guaranteed Asset Protection (GAP) and Credit Life & Credit Disability.
Call us to get started 1.800.650.6328.

Extended Warranty Protection

Add a Gulf Winds Extended Warranty to select vehicle loans at any time.

  • Drive your vehicle worry-free knowing you are protected from expensive repairs.
  • Your deductible is $0. Covered repairs will cost you nothing. You only pay sales tax and any labor charges beyond standard rates.

Pay only what your car is worth.

  • Enjoy peace of mind because GAP may cover the difference when your loan payoff is greater than the actual worth of your asset.
  • GAP is important because insurance companies won’t pay for the entire amount of your loan balance if your vehicle is stolen or totaled in an accident.

This coverage must be purchased at the time of closing the loan, not after. 

  • Give security to your loved ones in the event of your death and protect your credit if you become disabled.
  • Credit Life pays your loan entirely, and Credit Disability makes your payments during a period of disability.

Estimate Your Monthly Payment

Term in Months

Monthly Payment

$

Interest Rate

APR

Please note that these calculators are provided for informational and planning purposes only. Your actual terms and rates will vary depending on credit history and the details of the loan. Contact us to get your best rate.

Get Pre-Qualified

Low rates, flexible financing options, 90 days no payments and a simple application. We believe getting a loan should be easy.

Get started today

Auto Loan Frequently Asked Questions

Your auto loan will be calculated using several factors, including:

  • Your credit score and history
  • Your chosen loan term length
  • The MSRP price of your vehicle
  • Current interest rates

These are subject to change with time and circumstance, making perfect calculations for your auto payments nearly impossible. However, you can get pre-qualified with no impact to your credit score and recieve a tailored estimate on your monthly payment and rate.

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.

Getting pre-approved for an auto loan begins with a secure online application that guides you through the initial stages of the acceptance process. Important details that may be asked on your submitted application include your credit history, previous vehicle loan amount (for refinancing), and vehicle price range.

All pre-approval rates and terms are valid for 30 days, allowing members to carefully choose their next vehicle and prepare for the future.

Gulf Winds also offers pre-qualification. Pre-qualification requires submission of personal information via an easy online application in just a few clicks. You'll quickly see which one of our low rates you qualify for with no credit impact. These rates are good for up to 30 days so when you're ready, you can move forward with the final application and apply for financing. 

  • If you're unable to keep up with your current monthly payments:
    Refinancing can reduce your monthly payments, either by reducing your interest rate or extending the length of your loan.
  • Your current financial situation is better than it was when took out your original loan:
    If you're financially better off now than you were when you first took out your loan, you could be eligible for more favorable loan terms and conditions.
  • Better interest rates are available:
    If banks and credit unions can offer lower interest rates now than they were when you got your original loan, refinancing could save you money in the long term.
  • You want to weigh your options:
    It's possible that when you first applied for your loan, you didn't get the best terms available. If you think you could be eligible for better loan terms and conditions now, shopping around is never a bad idea.

Applying for a refinancing loan could lower your credit score, but only temporarily. When you apply for any type of credit, a hard inquiry is made on your credit history. However, after six months, these "dings" to your score typically disappear.

When applying to refinance your auto loan, check your credit score so you know where you currently stand. Then, avoid any major credit inquiries—such as applying for a new credit card or applying for other types of loans—for the next six months to minimize the impact on your score. 

Different lenders have different standards for credit scores. However, even if your credit is poor, you might still be eligible for better loan terms than you were originally.

Call 1.800.650.6328 to see if your credit score could allow for better terms.

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.

Get Pre-Qualified

1Pre-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 during pre-approval. The pre-approval process will occur upon accepting a pre-qualification offer and will include 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. Pre-Qualified offers are initial, conditional offers and are subject to change based on completion of a final application, verification of information provided and other conditions determined solely by Gulf Winds. Offers are not guaranteed and not a commitment to lend.