Vehicle Loans
You’ve found the perfect car, truck, RV, ATV, motorhome, or motorcycle--now ... and you’re finally ready to buy. Now it's time to get a vehicle loan. LAFCU offers options for all types of vehicles, low car loan interest rates, lower monthly payments, up to 125% financing and special rate discounts that could save you hundreds of dollars. Also, points earned from our Visa® Signature Rewards Platinum credit card CURewards program can be redeemed for loan discounts. With our great service and fast pre-approval turnaround, we’ll have you cruisin’ down the boulevard in no time.
A credit union auto loan makes sense for lots of reasons. Credit unions like LAFCU use funds deposited by its members and lend it to other members who need an auto loan. When borrowers repay the original loan amount and interest on their credit union car loan, this allows LAFCU to share those earnings with you in the form of lower fees, higher dividends or savings.
Cars and Trucks
- Terms up to 84 months, depending on loan balance
- Loans for free and clear vehicle title
Classic and Special Interest Vehicles
- Terms up to 84 months, depending on loan balance
- Loan cannot exceed 70% of low valuation guide or approval
Motorcycles, Boats and Personal Watercraft
- Terms up to 84 months, depending on loan balance
- Loans for free and clear vehicle title
RVs
- Terms up to 180 months
- Loans for free and clear vehicle title
Have a Loan Somewhere else? Refinance & Save!
If you have a high-rate vehicle loan with another lender, we could help you save with our "Rate Matching" program. Ask for details.
Earn 1% Cash Back & Refinance Your Vehicle to a Lower Rate*
Take advantage of falling rates and save TWICE at LAFCU when you refinance a vehicle from another lender...by getting a LOWER vehicle loan rate and earning 1% CASH BACK! This limited-time offer is for each vehicle loan you refinance from another lender to LAFCU. LAFCU will meet or beat** your existing loan rate, and qualified members receive 1% cash back on the loan amount financed.
Refinance your vehicle loan and start saving TODAY. Terms and conditions apply. Contact us for details.
In case of involuntary unemployment, disability, or death, our optional Debt Protection plans (for members age 18 to 70) help protect your credit by canceling payments on your LAFCU loan(s). Getting any of these plans are voluntary, does not affect your loan approval, and for your loan to be covered, you need to sign a separate application that explains the terms and conditions of the plan. Call (877) 695-2328 for details on this added protection.
Vehicle Loan Protection
We can cancel part of your vehicle loan debt if your car is totaled or stolen with optional vehicle loan protection. Getting this protection is voluntary, does not affect your loan approval, and for your loan to be covered, you need to sign a separate application that explains the terms and conditions of the protection. Contact us for details on this added protection.
Auto Loan Calculator
Wondering how much car you can afford? Use LAFCU’s online calculator to see how a credit union auto loan can help make your purchase affordable.
* The 1% cash back offer is valid on refinanced vehicle loans if the loan application is received by LAFCU between 10/1/25 to 12/31/26 and the funding occurs on or before 1/15/27. The minimum loan amount to qualify is $10,000. The refinance must be from a financial institution other than LAFCU. Any cash out as part of the refinance is not eligible for cash back. This offer means one percent of the vehicle loan amount financed will be deposited into the member’s LAFCU checking or savings account within one (1) business day of loan origination (for example, $10,000 financed earns $100 cash back). If the LAFCU vehicle loan is paid off or paid down, by more than 50% within 6 months of loan origination, the 1% cash back amount paid is forfeited and will be added to the outstanding vehicle loan balance.
** APR = Annual Percentage Rate. Refinance offer available only for vehicle loans from other lenders (not LAFCU). We will lower your current rate by at least 1.00% APR or give you our lowest qualified LAFCU rate, whichever saves you more. Rates cannot go below our floor rate. Our lowest rate is 3.90% APR, based on meeting certain criteria (such as credit score, relationship tier, automatic payments, term length, and CU Rewards redemption). Ask us about other ways to qualify. When refinancing, your new LAFCU loan will match the remaining term and balance of your current loan. Total refinanced amount cannot exceed 100% Loan-to-Value for vehicles older than five years (except when adding LAFCU GAP or MBI coverage). Offer may change or end without notice. Must be a LAFCU member to apply. Rates and fees may change and affect APR. All loans subject to credit approval and other conditions.
