It's time to take

the wheel.

GreenState wants to finance your next auto loan.

Whether you're a first-time buyer looking for advice or
a seasoned pro ready to sign and drive, GreenState is ready to help.

Try our auto loan calculators as you crunch the numbers on your car purchase:

• No payments for up to 60 days¹ 

• No down payment required, 100% financing available
  

• Low rates
  

Donated $3.8 million to non-profits in 2023

$11.3 billion in assets

Consistently ranked top 1% for total return

*Data provided by Callahan and Associates 12/31/23

Enjoy access to these additional protections:

If you're on the hunt for your next ride, consider applying for preapproval. This allows you to determine your budget and terms before the time of your vehicle purchase. Stop into a branch or apply online. If you’re already a member with us, many auto dealers can even get you a GreenState auto loan right at the dealership.

Ask your dealer if they're a GreenState partner or call 800-397-3790 to find dealer partners near you.

• Cash back refinance - Receive $100 cash back when you bring your auto loan to GreenState from another lender²

• Skip a Payment - Eligible borrowers may request to skip a loan payment³

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.

Receive $100 cash back when you refinance a loan from another financial institution to GreenState. Offer does not apply to refinancing of existing GreenState loans or to new GreenState loans. $100 cash back will be directly deposited into member’s account after vehicle insurance is verified, title is secured, and first payment is made. Member's account must be in good standing to receive bonus payment. 2017 or newer model vehicles only. Cash back offer may end at any time, and will not be paid out if vehicle loan is paid off within 2 months. Loan amount must be greater than $10,000. Cannot be combined with other GreenState promotional offers. Subject to credit qualifications and year of vehicle. Call for details.

There is up to a $30 service fee to skip each payment on each loan. This fee will be added to the principal balance of your loan at the time the skip is processed. For example, if your principal balance prior to the skip request is $15,000, this will increase to $15,030. The amount of your loan payment will not increase but the amount you repay over the life of the loan will be higher.

All accounts with GreenState Credit Union must be in good standing for the loan to qualify for the Skip a Payment program. Good standing means that all loans with GreenState Credit Union are less than 15 days past due, all share accounts are in a positive status, the Credit Union has not experienced a loss on any loan or deposit account due to charge-off, repossession, bankruptcy, foreclosure, or be a specialty classified loan, and auto loans cannot have Collateral Protection Insurance in place due to a lack of adequate insurance.

Any automatic payments GreenState Credit Union originates by ACH from an external account with another financial institution or by Off Cycle Transfer from an internal GreenState Credit Union account will be suspended during an approved skipped period. Payments made via payroll deduction will be deposited into your GreenState Credit Union savings account. It is your responsibility to stop and restart recurring payments set up in GreenState Credit Union’s online banking. GreenState Credit Union does not have access to modify your online payments. It is also your responsibility to stop and restart payments you have set up through a 3rd party (i.e., Pegasus Pay, Online Bill Payer etc.) 

The following loans are not eligible for the Skip A Payment program: commercial, mortgage, home equity, home equity line of credit, EZ Access line of credit, credit card, mobile home loans, natural disaster loans, personal loans managed by lending partners (Payoff Inc, Upgrade), and 0% pandemic/natural disaster loans.

You may request a Skip a Payment per eligible loan a maximum of two times in a 12-month period. The lifetime max for a one loan is six skipped payments. Consecutive skips are not permitted and three consecutive monthly payments must be made on the loan before it would be eligible for another Skip A Payment. There are some auto loans that are only permitted one Skip A Payment per 12-months.  

Loans must be at least 185 days old, with six (6) contractual payments received to apply for Skip a Payment. If you are experiencing a long-term financial hardship that affects your ability to make loan payments, please contact our Loss Mitigation Department at (800) 446-3719.

If eligible, this Skip a Payment will skip the next monthly payment or remainder of the next monthly payment on your loan. If your payment is due more frequently than once per month, the following number of payments will be skipped:

Weekly = four consecutive payments
Every other week = two consecutive payments
Twice a month = two consecutive payments
Finance charges (interest) will continue to accrue according to your contract term’s daily basis.

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.

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Contact Us

Discover the features of a GreenState auto loan.

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GAP Insurance

Receive protection if you suffer a total loss of your vehicle and the insurance payout is less than the amount owed on your loan.

PayBreak Debt Protection⁴

This is a voluntary loan-payment protection that provides relief from the burden of delinquency or default if a protected life event happens. This includes loss of life, disability or involuntary unemployment.

Extended Service Warranty

This warranty program has various tiers available that cover different forms of breakage.  It can help soften the blow of a broken-down vehicle and get you back on the road in no time.

Purchase of additional protection products (GAP Insurance, PayBreak Debt Protection, Extended Service Warranty) is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.

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Federally insured by NCUA. Equal Housing Opportunity.