Get driver-friendly financing from our fast, efficient team
Competitive interest rates
Flexible payment plans
Fast loan pre-approvals
No payments for up to 60 days1
Consistently ranked in the top 5% of all banks and credit unions nationwide for returning profits with better rates on loans and deposits.
Source: Callahan and Associates Return of Member ranking.
Cash-back refinancing option
If you have an auto loan with another lender, receive up to $100 back when you switch your financing to GreenState Credit Union. We also may be able to lower your rate and monthly payment.
We know how much you rely on your car, pickup, or SUV
That's why we've made loans for new and used vehicles our specialty. Whether you apply for financing at a branch or at a local dealership, we offer fast approvals, money-saving rates, and a variety of easy payment options.
- No loan payments for up to 60 days1
- When payments do begin, you can easily schedule automatic transfers from your GreenState checking or savings accounts
- No down payment required. In many cases, we can finance 100% of your vehicle purchase
- Need a little extra room in your budget? Eligible borrowers may request to skip a monthly auto loan payment via GreenState Online Banking or Mobile App
Simple Loan Calculator: Enter the loan APR and term (length of loan) and you can calculate your total loan amount or monthly payment.
Auto Loan Rebate Calculator: Compare total savings between cash-back rebates and low-interest financing. In many cases a cash rebate and traditional financing offer the most savings.
Applying for pre-approval for an auto loan is a great first step, especially if you're still shopping around and haven't settled on a particular car yet. With pre-approval, you'll have a purchasing budget locked in, which will help you focus your vehicle search. Visit any GreenState branch or apply online in no time.
If you've got a specific vehicle picked out, you can visit any GreenState branch to apply for a loan from a friendly GreenState team member or use our convenient portal to apply online in minutes.
Many auto dealers have partnered with GreenState and can process loan paperwork for GreenState members at the dealership. Ask your dealer if they're a GreenState partner or call (800) 397-3790 to find dealer partners near you.
Get $100 cash back3when you refinance your auto loan from another lender, plus no payments for up to 60 days.3Visit any GreenState branch or begin the process online today.
Protect Your Investment
Our team can help you determine which supplemental insurance products will work best for you.
If your vehicle is stolen or damaged beyond repair, it's possible that the insurance payout won't cover your remaining loan balance.
GAP Insurance covers that monetary gap.
This can help you avoid unexpected expenses and protect your financial health.
PayBreak Debt Protection4may cover some or all loan payments if you experience a qualifying adverse life event.
Those events may include (but are not limited to) loss of life, disability, or involuntary unemployment.
The low-cost protection may help prevent loan delinquency or default or repossession of your vehicle.
For more information, call (800)-397-3790.
Mechanical Breakdown Protection (MBP) extends the length of time your vehicle is protected if repairs are needed.
It may help you avoid costly bills by covering the price of a wide range of auto parts and repairs.
Drivers may choose from various tiers of coverage, with each covering different parts and repairs.
VPP helps protect you from out-of-pocket expenses that are not typically covered by insurance policies, manufacturer warranties, or extended warranties.
Examples include windshield repairs, paintless dent repairs, tire & wheel repair or replacement, key or remote replacement, and roadside assistance.
DPW is designed to protect the positive equity in your vehicle in the event your vehicle is totaled or stolen.
This is a debt-cancellation product that provides a benefit equal to the difference between the National Automobile Dealers Association (NADA) retail value of the vehicle at the time of coverage enrollment and the loan balance at the time of the total loss.
For information about filing claims, please visit our Help Center.
Get flexible financing with a loan from GreenState Credit Union. Apply online, reach out to a lender in your area, or visit a branch today.
Frequently Asked Questions
You can make payments from a GreenState checking or savings account in Online Banking by making an internal transfer to the loan.
You can make payments with a non-GreenState debit card or bank account in our Online Payment Center.
You can make payments in person at any GreenState branch, or by calling (800) 397-3790 to discuss other payment options.
Borrowers must provide proof of insurance that shows the following items:
- Lienholder / Loss Payee: GreenState Credit Union, P.O. Box 2248, Sioux City IA 51104
- Must have Comprehensive and Collision coverage on vehicle with a deductible less than or equal to $1000.
- Vehicle listed on policy must match vehicle on loan document.
- Policy number, period, and company name must be listed.
- No excluded drivers can be listed.
Your vehicle's title is held by GreenState until your loan is paid in full. Once a final payoff amount is received title processing takes between 2-3 weeks.
Bring your auto loan to GreenState for a low rate, low payment and refi bonus.
Subject to creditworthiness. Interest will continue to accrue through the deferred payment period.
The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Simple interest used to calculate payment. For example, 48 monthly payments of $23.16 per $1,000 borrowed at 5.29% APR. Extended terms up to 84 months available, additional rate surcharge may apply based on creditworthiness. Please call or apply online to have us calculate your rate. All loans are subject to approval. Maximum loan amounts apply. Membership required with a $5 Share Savings deposit. Please contact GreenState for additional details.
Receive $100 cash back when you refinance a loan from another financial institution to GreenState (the “Auto Loan Bonus”). The Auto Loan Bonus will be directly deposited into member’s account after vehicle insurance is verified, lien is secured on title, and first payment is made. Requirements for Auto Loan Bonus: 1) 2017 or newer model vehicles only. 2) Loan amount must be greater than $10,000. 3) Loan must be for a vehicle, including boats, RVs, and motorcycles. 4) Member’s account must be in good standing. The Auto Loan Bonus is not available for refinancing of existing GreenState loans or to new GreenState loans. Cash back offer will not be paid out if vehicle loan is paid off within 2 months. The Auto Loan Bonus may end at any time. Cannot be combined with other promotional offers. No offers are indications of preapproval or prequalification for any credit or loans. All loans are subject to approval. Maximum loan amounts apply. Bonuses are considered interest and may be reported as income to the IRS. Membership required with a $5 share savings deposit. No payments for up to 60 days: When you finance a vehicle with GreenState Credit Union you may be able to schedule your first payment up to 60 days later. Subject to creditworthiness. Interest will continue to accrue through the deferred payment period.
Your purchase of PayBreak is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of PayBreak.