Consumer Loan Types
Refinance Your Vehicle, Boat, RV, Camper, Or Motorcycle*
- Receive $150**
- Rates As Low As 1.74% APR***
- Flexible Terms
- Payment Protection Available
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* Refinances from other financial institutions only.
** Cash bonus will be deposited within 60 days of loan origination, as long as the first payment has been applied to the loan. To qualify for the cash bonus, loan amount must exceed $15,000 and the loan must be maintained at Gold Coast FCU for 24 months after origination, or cash bonus will be added to the loan payoff.
*** Annual Percentage Rate. Includes a rate discount of 0.25% off the standard rate for members who have direct deposit and eStatements, or a 20% down payment. All rates are based on an evaluation of the member’s individual credit history. Your actual rate may vary.
Vehicle Loan
When the open road calls, answer it in style with a Gold Coast FCU Auto Loan.
Gold Coast FCU offers new and used auto loans with great rates, low monthly payments and several financing options. We have partnered with Auto Advisors and Enterprise Auto Sales so Gold Coast FCU members can receive special pricing and have a hassle free buying experience.
Current Rates
- New or Used
- Purchases and Refinances
- Repayment terms up to 84 months based on loan amount and model year
- Maximum loan amount up to 100% NADA, plus tax, tag and title. Should the collateral not be listed in the NADA, an appraisal may be required
- Low competitive interest rate based on credit worthiness
- Refinances apply to loans from other financial institutions. Lower your monthly payment and/or interest rate.
- Extended Warranty purchase available
- GAP Insurance purchase available
GCFCU vs. Dealer Financing
Smart Choice
Take Advantage of Gold Coast FCU’s SMART CHOICE loan option for an even LOWER payment
- New or Used Vehicles
- You Own the Vehicle
- Mileage Options
- Payment Protection Available
- FREE GAP Insurance
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Motorcycle Loan
Want to feel the freedom of the open road as you cruise on your motorcycle? We can put you on the new or used motorcycle of your dreams.
- New and Used
- Purchases and Refinances
- Great rates and terms
- Payment Protection available
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Boat/RV Loan
Nothing beats spending an afternoon on the water, or an enjoyable weekend camping. A boat or recreational vehicle loan from Gold Coast FCU can make it happen
- New and Used
- Purchases and Refinances
- Great rates
- Convenient terms for lower payments
- We also finance pontoons, ATV's, jet skis, golf carts and campers
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Share Secured Loan
Enjoy the savings you’ve accumulated. Consider using your Gold Coast FCU Savings or Certificate Account as collateral. This is the perfect loan for borrowing money and paying yourself back with the lowest possible rates. Best of all, the secured amount is earning interest for you over the life of the loan.
- Great Rates
- Affordable Terms
- Payment Protection Available
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Personal Loan
Personal loans can be used for any purpose: debt consolidation, vacation, home improvements, weddings or continuing education. These loans can provide you with financial options that meet your personal needs.
Holiday Fast Cash Loan
- Up to $1500
- Special Rates
- No Payment Until January 15, 2019
- Limited time Offer
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Line of Credit
- Minimum loan amount $500.00
- Maximum loan amount $5,000.00
- Overdraft Protection Available
Personal Loan
- Minimum amount $5,000.00
- Maximum amount $10,000.00
- Maximum term 60 months
Personal Home Improvement
- Minimum $1,000.00
- Maximum $7,500.00
- Home Improvements Only
- Collateral Not Required
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Credit Build/Rebuild
At one time or another, many people hit a rough financial patch that negatively impacts their credit rating. If that has happened to you, or if you are just starting to build credit for the first time, Gold Coast FCU can help with our Fresh Start Loan. Money borrowed is held in your savings account until the loan is repaid.
- Minimum $500.00
- Maximum $1,500.00
- Opportunity to establish a positive payment history to help build or re-build your credit score
- Once the loan is repaid, the balance in your savings account is available to you immediately
Successful repayment of the Fresh Start Loan will not instantly repair your credit, but it is a starting point in the building or rebuilding process.
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Apply for a Loan
Applying for a loan online is quick and easy. When you click the link, you will be asked to login to our online banking site. Once you have logged in, you will be able to complete your loan application. In most cases, you will have an answer in 90 seconds.
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Applicant must be the Primary Member. Credit information will be obtained on all applicants.
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