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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 Auto Loans
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
3.50% 3.68% Up to 36 months $29.30
3.50% 3.64% Up to 48 months $22.36
3.50% 3.61% Up to 60 months $18.19
4.25% 4.35% Up to 72 months $15.76
5.25% 5.33% Up to 84 months $14.26
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. 2% premium add on for all new or used auto loans being financed with the intention of commercial use. *Annual Percentage Rate (APR) is based on a loan amount of $35,000 plus a $95 origination fee.

Table data for Used Auto Loans
 Rates effective 12-12-2018
Model Year Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
2011-2017 3.75% 3.93% Up to 36 months $29.41
2011-2017 3.75% 3.89% Up to 48 months $22.47
2011-2017 3.75% 3.86% Up to 60 months $18.31
2011-2017 4.25% 4.35% Up to 72 months $15.75
2011-2017 5.25% 5.33% Up to 84 months $14.26
2010 & Older 6.00% 6.15% Up to 48 months $23.49
2010 & 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. 2% premium add on for all new or used auto loans being financed with the intention of commercial use. *Annual Percentage Rate (APR) is based on a loan amount of $35,000 plus a $95 origination fee.

Table data for New Motorcycle Loans
 Rates effective 12-12-2018
Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
4.75% 4.93% Up to 36 months $29.86
4.75% 4.89% Up to 48 months $22.92
5.25% 5.37% Up to 60 months $18.99
5.95% 6.05% Up to 72 months $16.55
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 Used Motorcycle Loans
 Rates effective 12-12-2018
Model Year Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
2011-2017 5.00% 5.18% Up to 36 months $29.97
2011-2017 5.00% 5.14% Up to 48 months $23.03
2011-2017 5.25% 5.37% Up to 60 months $18.99
2011-2017 5.95% 6.05% Up to 72 months $16.55
2010 & Older 8.95% 9.07% Up to 48 months $20.74
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 Personal Watercrafts
 Rates effective 12-12-2018
Model Year Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
2011-2018 4.75% 4.93% Up to 36 months $29.86
2011-2018 4.75% 4.89% Up to 48 months $22.92
2011-2018 5.25% 5.37% Up to 60 months $18.99
2011-2018 5.95% 6.05% Up to 72 months $16.55
2010 & Older 8.95% 9.07% Up to 48 months $20.74
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 RV Loans
 Rates effective 12-12-2018
Model Year Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
2011-2018 5.00% 5.18% Up to 36 months $29.97
2011-2018 5.00% 5.14% Up to 48 months $23.03
2011-2018 5.00% 5.11% Up to 60 months $18.87
2011-2018 5.50% 5.60% Up to 72 months $16.34
2011-2018 6.00% 6.09% Up to 84 months $14.61
2011-2018 6.00% 6.08% Up to 96 months $13.14
2011-2018 6.00% 6.07% Up to 120 months $11.10
2011-2018 7.00% 7.05% Up to 180 months $8.99
2011-2018 8.00% 8.04% Up to 240 months $8.37
2010 & Older 5.50% 5.65% Up to 48 months $23.26
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 Snowmobile/ATV
 Rates effective 12-12-2018
Model Year Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
2011-2018 4.75% 4.93% Up to 36 months $29.86
2011-2018 4.75% 4.89% Up to 48 months $22.92
2011-2018 5.25% 5.37% Up to 60 months $18.99
2011-2018 5.95% 6.05% Up to 72 months $16.55
2010 & Older 8.95% 9.07% Up to 48 months $20.74
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.

Table data for New & Used Boats
 Rates effective 12-12-2018
Model Year Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
2011-2018 5.00% 5.18% Up to 36 months $29.97
2011-2018 5.00% 5.14% Up to 48 months $23.03
2011-2018 5.00% 5.11% Up to 60 months $18.87
2011-2018 5.50% 5.60% Up to 72 months $16.34
2011-2018 6.00% 6.09% Up to 84 months $14.61
2011-2018 6.00% 6.08% Up to 96 months $13.14
2011-2018 6.00% 6.07% Up to 120 months $11.10
2011-2018 7.00% 7.05% Up to 180 months $8.99
2011-2018 8.00% 8.04% Up to 240 months $8.37
2010 & Older 5.50% 5.65% Up to 48 months $23.26
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 Other Collateral
 Rates effective 12-12-2018
Model Year Rates As Low As Annual Percentage Rate (APR)* Term Estimated Monthly Payment/$1000 Alert Me
2011-2018 8.00% 8.19% Up to 36 months $31.34
2011-2018 8.49% 8.64% Up to 48 months $24.65
2011-2018 9.49% 9.62% Up to 60 months $21.00
2011-2018 10.49% 10.60% Up to 72 months $18.78
2011-2018 11.49% 11.58% Up to 96 months $15.98
2010 & Older 10.95% 11.09% Up to 48 months $25.83
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.

Dealership Direct

Ask your dealer about Credit Union Direct Lending (CUDL)!

Over 80 participating auto dealers throughout NH offer GSCU financing right in their showroom.

Look for Preferred Plus Dealers and search current inventory. 

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.

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

Take the Holidays Off!

Make the holidays less stressful - do some holiday shopping, 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!*

*See Authorization Form for details

.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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