CO-OP Shared Branch

New Cars Inc


Grossmont Schools Federal Credit Union

Love Your Car!  Love Your Rate!
Introducing our New 1.99% APR*
Step Rate Auto Loan!

Step Rate Auto Loan

We've developed the hottest new vehicle loan in town with a rate that starts low, increases slowly and saves you lots of money! It's our new Step Rate Auto Loan! Here's how it works:

For well-qualified borrowers, you'll pay a low 1.99% APR* during the first year. Your rate will only go up 1.00% APR* each year thereafter, resulting in a low total 3.14% APR* over the term of your loan.

Imagine! A 60-month term will result in a 3.14% APR* blended rate and if you pay the loan off early, your actual blended rate will be less! Our new Step Rate loan also provides a fixed payment that never changes during the loan term, so you have no surprises like you might see with other variable rate loans.

Ready To Purchase A New Or Pre-Owned Vehicle? GSFCU's Auto Buying Service, New Cars Inc. (NCI), is the convenient and hassle-free way to buy your next new or used vehicle. NCI has exclusively been serving credit union members since 1986, with the highest level of quality products and personal service. We take pride in offering all GSFCU members with the very best in vehicle buying, and NCI delivers. Plus we have a NCI representative right here in our branch!

Have A Vehicle Loan With Another Lender? Here's your chance to lower your monthly payments and your interest rate! We'll make it easy for you to refinance your existing vehicle loan held at another financial institution with a GSFCU Step Rate Loan!

Love Your Car Love Your Rate! Apply on-line at or give us a call at 619-588-1515 and ask to speak to a loan officer. You'll be glad you did!

*APR = Annual Percentage Rate. GSFCU Step Rate Loan is Variable and your rate will adjust upward by 1.00% on the annual anniversary of your due date. 1.99% APR start rate is for borrowers with a 740+ credit score. Your rate may be higher based on your credit score. A 60-Month loan for $10,000 at 3.14% APR has a monthly payment amount of approximately $181.00.  All loans subject to credit approval. Add .50% to rate if not on automatic payment transfer or payroll deduction.


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