Vehicle

Apply

Apply Online and receive an answer to your loan request in 60 seconds. Pre-approval is valid for 45 days.*

Call Lending After Hours 24/7 at 1.800.645.4728 to speak to a lending representative. 

*A $95 loan origination fee for consumer loans will be added to the amount borrowed upon closing. Please see important disclosures. Other fees may include $25 for Title (State of NH fee), $48 for UCC (State of NH fee), and VSI (insurance fee) amount varies. VSI Insurance protects the credit union in the event there is a problem with member's insurance. Some loan requests may take longer to review.

Rates

Loan Calculator

Table data for New & Used Auto Loans
 Rates effective 12-11-2019
Model Year Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
2012-2019 3.25% 3.43% Up to 36 months $29.19
2012-2019 3.25% 3.39% Up to 48 months $22.25
2012-2019 3.25% 3.36% Up to 60 months $18.08
2012-2019 4.00% 4.10% Up to 72 months $15.65
2012-2019 4.50% 4.59% Up to 84 months $13.90
2011 & Older 5.50% 5.62% Up to 60 months $30.20
Rates and amount financed are determined by your credit history. All rates quoted include a discount for selecting 2 of the following services: life insurance, disability insurance, estatements or automatic payments, otherwise add .25%. Rates are subject to change at anytime however the rate will remain in effect for the life of the loan once disbursed. Estimated monthly payment does not reflect the additional cost of insurances. Additional rates and terms available. Please contact Member Services for additional information. *Annual Percentage Rate (APR) is based on a loan amount of $35,000 plus a $95 origination fee.

Table data for New & Used Motorcycle, Snowmobile, ATV, Personal Watercraft, and Other Collateral Loans
 Rates effective 12-11-2019
Model Year Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
2012-2019 5.25% 5.44% Up to 36 months $30.09
2012-2019 5.25% 5.40% Up to 48 months $23.15
2012-2019 5.25% 5.37% Up to 60 months $18.99
2012-2019 5.75% 5.85% Up to 72 months $16.46
2012-2019 6.75% 6.84% Up to 84 months $14.98
2012-2019 6.75% 6.83% Up to 96 months $13.51
2011 & Older 6.25% 6.37% Up to 60 months $19.45
Rates and amount financed are determined by your credit history. All rates quoted include a discount for selecting 2 of the following services: life insurance, disability insurance, estatements or automatic payments, otherwise add .25%. Rates are subject to change at anytime however the rate will remain in effect for the life of the loan once disbursed. Estimated monthly payment does not reflect the additional cost of insurances. Additional rates and terms available. Please contact Member Services for additional information. *Annual Percentage Rate (APR) is based on a loan amount of $35,000 plus a $95 origination fee.

Table data for New & Used Boats and RV Loans
 Rates effective 12-11-2019
Model Year Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
2012-2019 5.25% 5.44% Up to 36 months $30.09
2012-2019 5.25% 5.40% Up to 48 months $23.15
2012-2019 5.25% 5.37% Up to 60 months $18.99
2012-2019 5.75% 5.85% Up to 72 months $16.46
2012-2019 6.50% 6.59% Up to 84 months $14.85
2012-2019 6.50% 6.58% Up to 96 months $13.39
2012-2019 6.50% 6.57% Up to 120 months $11.36
2012-2019 7.50% 7.55% Up to 180 months $9.27
2012-2019 8.50% 8.54% Up to 240 months $8.68
2011 & Older 6.25% 6.37% Up to 60 months $19.45
Rates and amount financed are determined by your credit history. All rates quoted include a discount for selecting 2 of the following services: life insurance, disability insurance, estatements or automatic payments, otherwise add .25%. Rates are subject to change at anytime however the rate will remain in effect for the life of the loan once disbursed. Estimated monthly payment does not reflect the additional cost of insurances. Additional rates and terms available. Please contact Member Services for additional information. *Annual Percentage Rate (APR) is based on a loan amount of $35,000 plus a $95 origination fee.

Stress-Free Car Shopping

We've partnered with AutoSmart to offer tools to help find your next vehicle! 

  • Research vehicles based on your budget
  • Search for a vehicle near you
  • Compare prices
  • Save searches
  • Access easy-to-use calculators to determine your loan payment

When you're ready to take the next step, apply for pre-approval from the site for instant approval that you can take to the dealership and close your loan there! 

Start shopping!

Loan Closings

When your loan paperwork is complete, you can close at any of our branch locations or electronically, via DocuSign, so you don't have to leave the comfort of your home or office.

Stress-Free Car Shopping with AutoSmart!

We've partnered with AutoSmart to offer tools to help find your next vehicle! 

  • Research vehicles based on your budget
  • Search for a vehicle near you
  • Compare prices
  • Save searches
  • Access easy-to-use calculators to determine your loan payment

When you're ready to take the next step, apply for pre-approval from the site for instant approval that you can take to the dealership and close your loan there! 

Start shopping!

Now You Can Sign Your Loan Paperwork from Almost Anywhere!

With DocuSign, all you need is a computer or mobile device to sign electronically for on-the-go convenience. DocuSign - simple, safe, and secure!

How:

We'll email you a link to review your loan documents

Verify your identity and follow the guide to electronically sign! 

Learn more

Certain restrictions apply.

Frequently Asked Questions

  • What is DocuSign?

    DocuSign is a safe and secure way to sign documents from anywhere, anytime, utilizing any device.

  • How do I start using DocuSign?

    Let GSCU know that you're interested in doing your next consumer loan (vehicle or personal) using DocuSign. The process will start with an email from GSCU via DocuSign. 

  • How can I access DocuSign?

    DocuSign is available online on any device (computer, mobile phone, or tablet) through their own application that can be downloaded in the Google Play Store or Apple App Store. 

Refer-A-Loan

When you refer your friends and family you both benefit! 

Refer a NH resident or business owner to GSCU and you both will receive:

  • $25 for Consumer Loans*
  • $50 for Mortgage and Home Equity Loans*

Complete the form and ask the individual you are referring to submit it to GSCU with their application. 

*Offer is available to existing and new members. Loans must be new to GSCU. Minimum Consumer loan balance of $5,000 or more. Applies for all secured and unsecured loans except for those for business purposes. Minimum Mortgage balance of $100,000 and minimum $40,000 Equity loan balance. Excludes Equity lines-of-credit and Overdraft lines-of-credit. Does not apply to commercial or investment properties. Once it is determined that all criteria has been met, the appropriate incentive will be paid to the referrer and referee’s GSCU saving account within 30 days of loan closing. Member responsible for paying all taxes associated with the reward. This credit union federally insured by NCUA. Equal Housing Lender. NMLS#477276

Skip-A-Pay!

Make life less stressful -  catch up on bills or build up your savings account! You choose which three months you'd like to skip of your consumer loan!

With GSCU's Take Any Time Off Program, you may be eligible to skip your choice of three loan payments on any consumer loan!*

Skip your loan payment today!

*I allow Granite State Credit Union to withdraw a non-refundable $35 processing fee per month, per loan, from my account. (Total fee is required in advance.) Any GSCU closed-end loan originated 9 months prior to the payment skip date may be eligible. Loan origination term must not exceed 78 months. Overdraft Lines of Credit, MasterCard®, Home Equity Lines of Credit, Home Equity Loans and Mortgage Loans are excluded from this offer. A maximum of 3 loan payments per loan may be skipped during a 12-calendar month period with no more than 3 consecutive skips at any time. Limited to a lifetime cap of 12 total skipped payments. Members must have a $10 minimum balance in a GSCU savings account and must not be delinquent on any loan. Authorization form must be received 10 days prior to payment due date. On joint accounts, both signatures are required to process this form. I understand that my loan(s) will be extended one month beyond original maturity for each month I skip. I also understand that I will be required to make the payment(s) I skipped prior to my final loan payoff and that interest will continue to accrue at the contract rate including the month(s) I have chosen to skip. This payment deferral and the processing fee will result in an extension of the maturity date and will increase the APR and Finance Charges disclosed on the original promissory note. If I elected GAP insurance, I understand that coverage includes up to nine of the following during the life of the lease or loan agreement: past due amounts, skip-a-payment, or delinquent payments. All other terms of the skip-a-payment agreement apply. I understand that if my GSCU loan payment is automatically deducted by ACH, the deduction will automatically cease during the skipped period and automatically resume at the end of the skipped period. All requests are subject to GSCU’s final approval. By submitting this authorization form, I agree to all of the above terms and conditions.

.25% Rate Discount

Earn an extra .25% off any closed-end consumer loan rate just for choosing two of the following: automatic transfer payments, eStatements, credit life insurance, or credit disability insurance.

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