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Georgetown Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 12 October 2023
Fact checked

A quick review of Georgetown Federal Credit Union auto loans

Georgetown Federal Credit Union logo

Georgetown University Alumni and Student Federal Credit Union (GUASFCU) is a student-run credit union headquartered in Leavey Center. GUASFCU offers accessible and convenient auto loan options to Georgetown students, alumni, and even direct family members. Moreover, qualified members can get up to 100% auto financing for as low as 5.99%.

Want to see what a GUASFCU auto loan will cost? Try the Georgetown University Alumni and Student Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Georgetown Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 100% of the NADA retail value.
  • Interest rates: 5.99% starting rate.
  • Loan terms: Undisclosed, but it’s usually up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Undisclosed.

GEORGETOWN UNIVERSITY ALUMNI AND STUDENT FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

GUASFCU provides vehicle financing options with affordable interest rates. Starting at 5.99% APR, you can secure a new vehicle. But if you want to finance used vehicles, rates start as low as 6.99%. Remember though that your rate is subject to credit approval.

Georgetown Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Georgetown University Alumni and Student Federal Credit Union

Georgetown University Alumni and Student Federal Credit Union auto loan

Georgetown University Alumni and Student Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Georgetown University Alumni and Student Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Georgetown University Credit Union auto loan

Eligibility criteria

Georgetown Federal Credit Union doesn’t indicate the exact criteria for vehicle financing. However, you usually need to be:

  • A GUASFCU member
  • At least 18 years old
  • Employed or have a reliable source of income

It helps to ask about the potential auto loan fees you may need to pay, too. This way, you can prepare for the total cost of your loan. Plus, you can compare other lenders to find which one will help you save more overall.

What you’ll need to have ready

When you apply for auto financing with Georgetown Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide GUASFCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

When you apply, GUASFCU will also ask for details about the vehicle you plan to purchase. So, make sure you’re prepared with the vehicle’s make and year. Plus, you need to indicate the dealership’s name and address. Knowing these ahead can help you get your auto loan approved faster.

Ways to apply for a Georgetown Federal Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 202‐687‐8616

Additional GUASFCU auto loan details

  • Automatic payment: Available.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile banking, automatic payments, by mail, and in a bank branch.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Unspecified.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Quick loan approval (as fast as 1 business day).
  • Competitive interest rates.
  • Available to Georgetown community (students, alumni, and direct family members).
  • Up to 100% financing options.
  • Online pre-approval available.
  • Convenient online application.
  • As little as $0 down payment.
  • Automatic payments available.
  • Up to 12 months payment deferral.

Cons

  • Undisclosed loan terms and fees.
  • Limited to members.
  • Members with poor credit may receive higher APRs.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

How to join Georgetown Credit Union?

GUASFCU membership is open to any Georgetown students, alumni, and direct family members.

What is the maximum length of a Georgetown Federal Credit Union car loan?

Though GUASFCU doesn’t specify the available loan terms, you may usually finance your loan for up to 72 or 84 months.

How much do I qualify for with a GUASFCU auto loan?

You may borrow up to 100% of the vehicle’s NADA retail value. Remember though that your maximum loan amount may depend on different factors, like your credit profile, loan term, and more.

How many pay slips does Georgetown University Credit Union require during my auto loan application?

You need your 2 most recent pay stubs when you apply for vehicle financing.

How much interest does GUASFCU charge on car loans?

GUASFCU’s rate for new vehicles starts at 5.99% and 6.24% for used auto loans.

Will applying for vehicle finance with GUASFCU affect my credit score?

When you submit a formal application, Georgetown will make a hard credit check. The hard inquiry will appear on your credit report, so your application will temporarily ding your score. But you can build it back up by consistently meeting your monthly payments.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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