with great rates and great terms.
To apply for a Glass City loan, please complete our online loan application.
Auto Loans
If you’re in the market for a new car, then Glass City has the auto loan for you! Advantages of Glass City auto financing include:
- New and used auto loans with terms of up to 84 months
- An easy online application
- Convenient payment options
And, if you’d like to know the auto loan amount that you qualify for before you begin your new car search, the pre-approval process is easy for a Glass City auto loan! Simply apply online, or call or visit a Glass City branch.
For added convenience, Glass City offers one-stop vehicle financing with our Indirect Lending program. Simply go to one of the participating dealerships in our network and request Glass City financing or show the dealer your pre-approved auto loan letter from Glass City. Do all of your paperwork right at the dealership and still receive the same great benefits of your credit union auto loan! Please note that you can also obtain auto financing to purchase a vehicle from a private owner.
Improve your car buying experience by using NADA Guides to check the prices of new and used cars!
*Finance charges and interest begin accruing upon loan consummation, including during the 90-day payment deferral period. Financing requires an existing Glass City FCU membership as of May 1, 2020 for all borrowers; new Glass City members after May 2, 2020 must have a 650+ credit score (Transunion score processed by Glass City). Offer excludes auto leases and the refinance of a current Glass City loan. Other exclusions include applicants with a current Glass City loan payment deferral, COVID-19 Relief Loan, and/or loan in forbearance. Subject to credit approval and application. Other restrictions may apply. Offer is valid for loan applications received May 4, 2020 through June 30, 2020. Offer is subject to change at any time without notice. See current rates and details for each loan type on this website page; 90 day deferral will result in a higher APR than the payment example(s) listed. Ask a Glass City Federal Credit Union staff member for details.
First-Time Auto Buyer Loans
Glass City’s First-Time Auto Buyer loan program was created just for members ages 18-25. This program is designed for young adults borrowing for the first time, who may have little to no credit history. For more information, contact a Glass City branch or the Loan Department.
New & Used Auto Loans |
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| Term Max | Rate (As Low As) |
Sample APR* | Monthly Payment | ||
| 2019-2020 (84 months) (2018 over $30,000) |
3.49% | 3.712% APR* | $406.10 | ||
| 2019-2020** (12 – 72 months) (2018 over $15,000) |
3.49% | 3.747% APR* | $465.91 | ||
| 2015-2018** (up to 60 months) |
3.49% | 3.795% APR* | $549.74 | ||
| 2010-2014** (up to 48 months) |
3.49% | 3.868% APR* | $675.60 | ||
| 2009-older** (up to 48 months) ($10,000+) |
6.49% | 6.878% APR* | $716.70 | ||
4/1/2020
*APR = Annual Percentage Rate. Rates subject to change. Loans subject to membership eligibility, credit approval and application. Rates are based on credit history. The sample APR is based on an example loan transaction assuming the amount financed is $30,000, and the term is the maximum available. Actual APRs will vary. Monthly payment examples do not include optional Member’s Choice Borrower Security. Loan rate/APR is higher when loan proceeds are not used for vehicle purchase (with vehicle equity as collateral)
** Terms may be reduced if over 100,000 miles
Auto Leasing
Glass City has partnered with Credit Union Leasing of America (CULA) to bring you leases that feature lower monthly payments, no prepayment penalty, and no security deposit.
Ohio residents may lease a new vehicle from any of these participating dealerships (upon qualification).
Are you nearing the end of your lease? CULA makes the lease turn-in experience worry-free!
Motorcycle Loans
New and used motorcycle loans—with terms up to 84 months—are available for qualified borrowers.
Motorcycle Loans |
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| Term Max | Rate (As Low As) |
Sample APR* | Monthly Payment |
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| 2019-2020 (84 months) (2018 over $30,000) |
3.49% | 3.929% APR* | $204.23 | ||
| 2019-2020** (12-72 months) (2018 over $15,000) |
3.49% | 3.998% APR* | $234.65 | ||
| 2015-2018** (up to 60 months) |
3.49% | 4.095% APR* | $276.86 | ||
| 2010-2014** (up to 48 months) |
3.49% | 4.238% APR* | $340.25 | ||
| 2009-older** (up to 48 months) ($10,000+) |
6.49% | 7.253% APR* | $340.25 | ||
| 2009-older (36 months) (Calculated on $10,000) |
6.49% | 7.99% APR* | $313.25 | ||
Recreational Vehicle (RV) Loans
New and used boat and RV loans—with terms up to 120 months—are available for borrowers.
Financing is also available for up to 60 months on ATVs, jet skis, and snowmobiles.
RV Loans |
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| Amount | Term Max | Rate (As Low As) |
Sample APR* | Monthly Payment |
||||||||||||||
| $25,000 | 72 Months | 6.99% | 7.308% APR* | $426.10 | ||||||||||||||
| $25,000+ | 120 Months | 6.99% | 7.192% APR* | $290.14 | ||||||||||||||
Boat Loans |
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| Amount | Term Max | Rate (As Low As) |
Sample APR* | Monthly Payment |
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| $25,000 | 84 Months | 6.99% | 7.267% APR* | $377.19 | ||||||||||||||
| $25,000+ | 120 Months | 6.99% | 7.192% APR* | $290.14 | ||||||||||||||
ATV, Jet Ski & Snowmobile Loans |
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4/1/2020
*APR = Annual Percentage Rate. Rates subject to change. Loans subject to membership eligibility, credit approval and application. Rates are based on credit history. The sample APR for Motorcycle loans is based on an example loan transaction assuming the amount financed is $15,000, and the term is the maximum available (with the exception of the 2008-older 36 month motorcycle loan: The sample APR is based on an example loan transaction assuming the amount financed is $10,000. The sample APRs for RV and Boat loans are based on an example loan transaction assuming the amount financed is equal to $25,000, and the term is the maximum available. The sample APR for an ATV/jet ski loan is based on an example loan transaction assuming the amount financed is $10,000, and the term is the maximum available. Actual APRs will vary. Monthly payment examples do not include optional Member’s Choice Borrower Security. Loan rate/APR is higher when loan proceeds are not used for vehicle purchase (with vehicle equity as collateral). **Terms may be reduced if over 100,000 miles.
Additional Protection Options
As a convenience, additional protection options are available with Glass City financing. Purchasing protection is a voluntary and simple process that will not affect your loan approval. Ask your Glass City Loan Officer for further details on our optional programs.
GAP Advantage
Protect the investment made in your vehicle.
Guaranteed Asset Protection Advantage or GAP Advantage, is a voluntary, non-insurance program offered as protection on a vehicle that is financed with Glass City. If your vehicle is stolen or totaled in an accident, GAP Advantage will cover the difference between what your insurance pays and your loan balance, as well as your deductible. You will also receive a $1,000 down payment towards your next car if financed with Glass City!
GAP Advantage also includes Auto Deductible Reimbursement, which pays ups to $500 per loss (unlimited losses per year), for any vehicle titled in the borrower’s name that is damaged but not totaled in an accident; loss must be an approved and paid collision or comprehensive claim which exceeds the Auto Insurance Policy deductible for the covered auto.
Click here for GAP Advantage program details.
Member’s Choice™ Borrower Security
Protect your family against the unexpected
Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances. This protection could cancel your loan balance or payments up to the loan contract maximums.
The Borrower Security “Life Plus” package adds protection of your loan balance or payments for life events including accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.
Click here for additional program details.
Route 66 Extended Warranty
Route 66 Warranty has a complete line of coverage designed to keep your vehicle on the road, and there’s no deductible on covered parts and labor. The coverage is nationwide and comes with 24/7 Emergency Roadside Service.
