Other Collateral Loans | 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.

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Other Collateral Loans

Whatever your lifestyle, finance your vehicles and equipment with us.

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Buy new or used, or refinance

  • Includes off-road motorcycles, ATVs, snowmobiles, campers, toy haulers, and more.
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Lowest APR available


Repayment penalties


Current as of 10/01/2020

Term APR* as low as
48 months 6.49%
60 months 6.74%
72 months 7.49%
84 months 7.99%

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 also includes 0.25% discount for auto transfer from a checking or savings account at the time the loan is originated.

On other new collateral loans, we will finance 100% of MSRP plus tax, license, GAP, MBP, and debt protection. On other used collateral loans, we will finance 100% of retail book plus tax, license, GAP, MBP, and debt protection. Includes a $75 documentation processing fee. Rate is dependent on credit qualifications. Other rates and terms available. Rates, terms and fees subject to change without notice. Contact Gesa for full program details.

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

Rates are effective as of 10/1/2020.

Payment Example – Other New or Used Collateral Loan: fixed rate; terms to 60 months. $19.68 a month per $1,000 based on a 5 year loan at 6.74% APR.

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Already pre-approved for an Inspirus loan? Easily get the ball rolling on another loan or refinance at our low Inspirus rates. We have home equity loans as well as personal loans that put our members first.

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