Loan Services

Managed Risk Lending is Here!

GCU is pleased to offer our members a Managed Risk Lending Program to help as many members as possible obtain credit. We realize that some of our members have experienced some difficulty with their credit in the past, and as a result, we or other lenders may have rejected their loan request, forcing these members to pay extraordinary high rates elsewhere.

The way our Managed Risk Lending Program works is that the rate a member pays will be determined by their credit history. Members with good credit histories will receive our very best rates, some of the best rates offered by any lender.

Other members, who may have had credit problems in the past, will be assigned rates consistent with their credit history. At GCU, we will almost always offer member rates that are lower than elsewhere.

We encourage all of our members to call us regarding our Managed Risk Lending Program. At GCU, we strive to help you obtain credit and save money. If you are not sure what rate you are currently paying another lender, call them first, then call us. WE WANT TO HELP!

Gulf Credit Union offers the following types of loan products:

New Vehicles Used Vehicles New Motorcycles Used Motorcycles Furniture and Appliances Signature New Mobile Homes Used Mobile Homes Home Equity Share Secured Certificate Secured

Boat and RV Loans Used Motor Homes New Campers and Travel Trailers Used Campers and Travel Computer Loans Farm Equipment Home Improvements Mortgages-Fixed Rate Stock Other Collateral

Convenient Financing from Select Auto Dealerships

GCU now offers our members convenient financing from select dealerships. How does it work? All you need to do is go to one our select dealerships, find the car you want to purchase, agree on the price with the dealer, and then instruct them that you want to finance with Gulf Credit Union. The dealer will handle all the required paperwork without you having to make a trip to the credit union.

GCU recognizes that auto purchases are normally done on weekends; therefore, we designed our convenient financing from select dealerships with you in mind. Finally, the best part of this convenience is that as members, you will be guaranteed to receive our same lobby loan rate with your personal managed risk rate. This service is currently available at the following dealerships:

Allen Samuels Auto Mart Cecil Atkission Motors Cecil Atkission Chrysler Classic Acura Classic Chevrolet Cowboy Chrysler David Self Ford-Winnie David Self Ford-Orange Energy Country Harmon Chevrolet JK Chevrolet Kinsel Ford Kinsel Toyota Mike Young

Mike Smith Auto Plaza Mike Smith Auto Plex Morris Moore-Silsbee Morris Moore Auto's-Lumberton Morris Moore Auto's-Vidor Philpott Motors R & R Auto Saturn of Southeast Texas Silsbee Ford Silsbee Toyota Sour Lake Ford Sour Lake Motors Twin city Motors Twin City Classic

Pre-approved Lobby Loans

Another great convenience service for those "planned" weekend purchases are our pre-approved loans. Come into one of our locations and get pre-approved for an auto loan. The great advantage to a pre-approved certificate is "no-hassle" shopping at a dealership of your choice. Come in to one of our locations and ask about this fantastic service.