Our members have big dreams

You’re so much more than a number here. It’s the best part of belonging to a credit union.

Whether yours is to buy a car, a home, or even to get started building or repairing your credit, GCU offers a low-cost loan that can help. Our loans are designed to benefit you, not to make a profit for stockholders. So whatever your next big purchase may be, check with us first—we’re in the business of saving our members money.

Worried about your credit history?

Been turned down before? Skip the big banks that only look at your credit score and then sell off your loan to some other corporation. We know our members, and our members know us. That allows us to make loans that might not otherwise be possible. It’s a beautiful arrangement. Financing is available for members with ITINs. Talk to a loan officer for details. Click here to learn about our Free Financial Coaching.

Auto Loans

Whether you’re considering a new or used vehicle, buying from a dealer or a private seller, make Guadalupe Credit Union your first stop. We offer rates and terms that fit your budget and put your best interests first. Download Application Here

Pre-approvals: talk to one of our loan officers for pre-approval before you hit the dealerships and shop with confidence.
Refinance: got your last car loan somewhere else? Give us a call—we can probably save you money.
Flexible terms, with up to 100% financing available*
Get the same great rate, whether you buy new or used
Low-cost insurance and warranty options available. Click here for more info.
Get an even better deal when you purchase a repossessed vehicle from GCU. Visit our Repossessed Vehicle Page for to see vehicles currently available.

Share – and Certificate – Secured Loans

These loans are the perfect way to build or rebuild your credit. Money can be pledged from any GCU share savings account or a GCU certificate to secure the loan. You get an extremely low rate on your loan, you don’t have to spend your savings, and when you make regular on-time payments, you build good credit history. Download Application Here

Pledged funds are put on hold and become available for withdrawal as the loan principal decreases.
Fixed or variable rate options available.
Share-Secured VISA® credit cards also available. Click here for more information.

Motorcycles and Recreational Vehicles

Whether you’re considering a new or used vehicle, buying from a dealer or a private seller, make Guadalupe Credit Union your first stop. We offer rates and terms that fit your budget and put your best interests first …. Download Application Here

Pre-approvals: talk to one of our loan officers for pre-approval before you hit the dealerships and shop with confidence.
Refinance: got your last loan somewhere else? Give us a call—-we can probably save you money.
Flexible terms, with up to 100% financing available*
Get the same great rate, whether you buy new or used
Low-cost insurance and warranty options available. Click here for more info.
Get an even better deal when you purchase a repossessed vehicle from GCU. Visit our Auto Center for a complete listing of vehicles currently available, as well as tips for buying a car you’ll love.

Check Guard Line of Credit

This line of credit gives you peace of mind, knowing that you have access to credit any time you need it. It can be set up to cover checking overdrafts and can be used as a safety net in case of emergency …. Download Application Here

Maximum credit limit up to $15,000 (combined Check Guard, Signature and GCU Credit Card limit)
Access anytime, anywhere through Home Banking, audio response, by phone or in person.
Can be used to refinance or consolidate existing loans.

Signature Loan

For large expenses such as medical emergencies, or even to help you take a vacation, a Signature Loan can be a great option. Unlike a line of credit or credit card, a Signature Loan gives you better control over your finances with set payments and a set payoff date …. Download Application Here

Maximum credit limit up to $15,000 (combined Check Guard, Signature and GCU Credit Card limit)
No prepayment penalty (as with all GCU loans)
Can be used to refinance or consolidate existing loans.

Mobile Home Loans

We finance and refinance new or used mobile homes on a permanent foundation in Santa Fe, San Miguel, Rio Arriba, Bernalillo, Taos, Mora, Torrance and Sandoval counties …. Download Application Here

Terms up to 120 months, 100% financing available*
Get the same great rate, whether you buy new or used