Auto Loans | Vehicle Refinancing | Inspirus Credit Union

PLAN AHEAD. From 5 pm, October 30 through the morning of November 2, our team will be working hard to migrate your information and accounts into Gesa's systems as part of our merger. Our Member Contact Center, Digital Banking, and Mobile Banking will be unavailable during this transfer. Our Member Contact Center and branches will reopen on November 2. There's always the chance it will take longer than expected, in which case some services may not be available until the transfer is complete. Thank you for your patience as we go through this exciting update together.

Education, our passion. Giving back, our promise.

Gear up for your next vehicle. Inspirus auto loans save you money and fit your life.

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What We Offer

  • Preapproval by phone or online
  • Competitively low rates
Couple holding keys to new car.

Ready to apply? Check out our loan checklist (PDF) to see what you need.

New and Used Auto


Lowest APR available

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New and Used Rates

Current as of 10/01/2020

Term APR*
(as low as)
48 months 2.24%
60 months 2.74%
72 months 2.99%
84 months 3.49%

The Fine Print

*APR = Annual Percentage Rate. Rate includes 0.50% discount for member having a Gesa checking account or Gesa Visa® credit card. Additionally, rate includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated.

On new and used auto loans, max advance (loan value) is based on approved credit tier plus tax, license, and dealer add-ons that are claimed refundable. Includes a $75 documentation processing fee. Rate is dependent on credit qualifications. Other rates and terms available. Rates, terms and fees are subject to change. Contact Gesa for full program details.

Ineligible Collateral: salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 125,000 miles.

Gesa offers a range of rates that depend on factors such as credit history, loan term, and Gesa account. Actual rates are disclosed to approved applicants in writing prior to loan consummation. Rates do not apply to refinances of loans that originated from Gesa.

Rates are effective as of 9/1/2020.

Payment Example – New or Used Auto Loan: fixed rate; terms to 60 months. $17.85 a month per $1,000 based on a 5 year loan at 2.74% APR.

Gesa to Go Dealerships

Gesa to Go

With Gesa to Go, you can enjoy the convenience of loan approval at more than 100 participating auto dealerships across Washington. It's just one more way we offer a more convenient auto-buying journey for our members.

By going through a dealer, there are a few things you should know:

  • You'll need to set up payments for your loan directly with Gesa Credit Union
  • Your loan information will only be available online by logging into Gesa's . It will not show up within Inspirus Digital Banking.
  • If you have any questions about the car buying process, please call us at 855.628.4233

Find a participating dealer

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