Auto Loans at O’Fallon Credit Union

When you are purchasing a car, your primary focus should be seeking a vehicle that fits your lifestyle and budget. However, opting for lending through your auto dealer can put you in a high-pressure buying situation that might distract you from what matters most in this major purchase. Plus, you can often find more favorable interest rates and loan terms with an auto loan through GCS Credit Union, where you will find local Metro East loan processing with member-first service to fit your unique needs.

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Making a Smart Auto Purchase

To make the most of this major purchase, you should start your shopping off the lot of the dealership. By seeking financing first, you will be able to make a wise decision for your next vehicle and know your exact budget when you do finally step on the lot. Here’s a closer look at the best car shopping strategies to give you the most manageable payments for your auto loan.

  • Get pre-financed – When you visit the credit union first, you can secure your financing for an auto purchase to give you more negotiating power. This also lets you get the lowest possible rate on your loan to ensure that you don’t pay more than you need to for a new or used vehicle.
  • Seek local lending solutions – Working with local lenders has a number of advantages. Not only will your lender better understand your transportation needs, but he or she can recommend a preferred auto dealer and offer better insight for your purchase.
  • Take advantage of GCS discounts – GCS Credit Union has partnered with GM to offer big discounts on new, American-made vehicles. Any GCS member can take advantage of these discounts along with a 0.25% interest rate discount on the purchase of any new hybrid vehicle.

Reasons to Choose GCS

Along with great discounts and special financing programs for our members, GCS provides service that is in your best interest, not ours. Our lenders are committed to hearing the needs of every member seeking auto financing so that we can offer customized loan terms for residents in O’Fallon and St. Clair County.

GCS Indirect Auto Dealers

To make auto purchases even easier for our members, GCS Credit Union provides a list of indirect auto dealers for convenient shopping throughout Illinois.

GCS Credit Union can help you purchase a new vehicle or refinance your existing loan to keep your interest rates and monthly payments down. To begin shopping for your next car with us, call (618) 797-7993.

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