Cars
Hit the road with GSCU!
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New or used vehicles
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New loans or refinance from another institution
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Budget-friendly loans with your monthly payment in mind
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Shop, apply, and close on your loan from home!*
*Certain restrictions apply.
"I have always been impressed with how easy it is to apply for and carry out car loans."
UPGRADE YOUR SLEIGH
Winter adventures are calling! It's time to fly over to a budget-friendly auto loan from GSCU.
Get into the holiday spirit and enter to win a Charmingfare Farm Sleigh Ride for 4!* Enter to win!
*Participation is limited to U.S. residents age 18 or older. Employees and volunteers of Granite State Credit Union (GSCU), and their immediate household are ineligible to participate or win. The promotion period runs from December 2, 2024 through December 22, 2024. To enter, participants must complete an entry form at www.gscu.org during the promotion period. One entry per person. All eligible entries have an equal chance of winning. Odds of winning are based upon the number of entries. One winner will be randomly selected and notified on December 23, 2024. Prize valued at $180.00. Prize will be sent electronically to winner’s email. Entrants agree to allow GSCU to use his or her name, likeness, and information of their submission in any GSCU publication, including GSCU’s website, social media pages, and in-branch displays. By participating, entrants agree to be bound by these official rules. Winner agrees to hold GSCU, its directors, officers, employees, and agents harmless. This promotion is not sponsored, endorsed, administered by, or associated with Facebook, Instagram, Twitter, Pinterest, or LinkedIn. Void where prohibited by law.
Loan Information
AutoSmart provides the tools you need to help find your next vehicle.
- Research vehicles based on your budget
- Search for a vehicle near you
- Compare prices
- Save searches
- Access easy-to-use calculators to determine your loan payment
Finance with GSCU, directly at the dealership!
Get preapproved with the credit union before you go to the dealership and let them know you'll be using GSCU for your financing. You can even skip in-branch loan closings and sign your documents at the dealership.* Negotiate with confidence with pre-approvals valid for 45 days.
*Certain restrictions apply.
Mailing Address:
Granite State Credit Union
PO BOX 6420
Manchester, NH 03108
NH Lienholder Code:
0037
Fax Number:
603.668.3382
Close on your loan from the comfort of your home or office!
With DocuSign®, you can use your computer or mobile device to sign electronically, safely and securely, at your convenience.
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GSCU Emails Loan Documents
We'll email you a secure link to review your documents -
Verify Your Identity
Answer the prompts to verify your identity and access your loan documents -
Sign Electronically
Follow the guide to sign your loan documents
Certain restrictions apply
Let us make your life a little less stressful.
Take any time off from your consumer loan payments!
Use the funds to:
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Pay off bills
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Enjoy a vacation
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Build up your savings
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Or whatever else!
*Granite State Credit Union (GSCU) will withdraw a non-refundable $35 processing fee per month, per loan, from your account. (Total fee is required in advance.) Any GSCU closed-end loan originated 9 months prior to the payment skip date may be eligible. Loan origination term must not exceed 78 months. Overdraft Lines of Credit, Home Equity Lines of Credit, Home Equity Loans and Mortgage Loans are excluded from this offer. A maximum of 3 loan payments per loan may be skipped during a 12-calendar month period with no more than 3 consecutive skips at any time. Limited to a lifetime cap of 12 total skipped payments. Members must have a $10 minimum balance in a GSCU savings account and must not be delinquent on any loan. Authorization form must be received 10 days prior to payment due date. On joint accounts, both signatures are required to process this form. Loan(s) will be extended one month beyond original maturity for each month skipped. You will be required to make the payment(s) skipped prior to the final loan payoff and that interest will continue to accrue at the contract rate including the month(s) chosen to skip. This payment deferral and the processing fee will result in an extension of the maturity date and will increase the APR and Finance Charges disclosed on the original promissory note. If GAP insurance is elected, coverage includes up to nine of the following during the life of the lease or loan agreement: past due amounts, skip-a-payment, or delinquent payments. All other terms of the skip-a-payment agreement apply. If your GSCU loan payment is automatically deducted by ACH, the deduction will automatically cease during the skipped period and automatically resume at the end of the skipped period. All requests are subject to GSCU’s final approval.
Loan Protection Options
MBP or Extended Warranty
Protection against mechanical breakdowns beyond your existing manufacturer's warranty. Get the most comprehensive coverage for your car, truck, SUV, motorcycle, or ATV, at a discounted rate from your credit union.
Although you should consider refinancing your existing auto loan with GSCU, you do not need to have a consumer loan with us to qualify for this extended warranty offer.
- No Deductible
- 24/7 Roadside Service (365 days a year!)
- Rental Car Benefits
- 30-Day Money Back Guarantee
- Nationwide Coverage
- Fully Transferable!
Guaranteed asset protection (gAP)
If your car is totaled for any reason, the amount of reimbursement you receive from your insurance company may be substantially less than the amount you owe on your car loan. GAP can cover this financial shortfall, or gap up to the maximum 125% LTV. Otherwise, you could be left owing thousands of dollars. Coverage can be conveniently included in your loan payment for affordable protection. With GAP, members receive $1,000 towards their next GSCU auto loan if financed within 90 days from total loss of the covered vehicle.
Depreciation Protection (DPW)
Depreciation Protection protects your vehicle equity and hedges against depreciation over the life of the loan. In the event your vehicle is deemed a total loss or stolen, Depreciation Protection provides a waiver benefit equal to the difference between the vehicle value at the time of purchase, less the loan balance at the time of total loss (up to the agreement maximum or the outstanding loan balance, whichever is less).
Auto advantage
When purchasing GAP or Depreciation Protection, we will provide you with the complimentary Auto Advantage Plan which includes the Auto Deductible Reimbursement (ADR) benefit and other valuable services*. The Auto Deductible Reimbursement will reimburse you up to five hundred dollars ($500) per loss (UNLIMITED losses per year). Filing your claim is simple and easy through the online claims website! Ask your loan representative to learn more.
*Auto Deductible Reimbursement (ADR) is one benefit of the Auto Advantage Program. Other benefits include Personal ID Resolution Consulting and Warranty Vault™
Stay Covered on Life's Adventures
As a Granite State Credit Union member, you can receive a discount on auto insurance through Travelers. Members may also qualify for additional discounts like hybrid/electric car, multi-policy, or good student. With discounted rates, 24/7 claim reporting, and great coverage, get the service you deserve with special savings.
Beyond special savings for members, Travelers offers coverage options and packages designed to meet your individual needs. Even if you recently renewed your policy, you could still quote and see how much you could save. You can switch at any time and could be entitled to a refund of your unused premium from your current carrier. Get a quote with your member discount, as well as full details and legal disclosures, by calling 1-888-462-1410 or by clicking below.