Vehicle Loan Rates

Find some of the lowest rates around to minimize your monthly payments.

We're driven to keep our loan rates as low as possible

We're always offering good deals on car, truck and SUV financing. You can borrow up to 125% of the retail value of your next vehicle, choose a payment schedule that fits your budget, and save money on interest charges over the life of the loan.

NEW AUTO

UP TO 125% OF RETAIL VALUE***

Effective Date: April 20, 2026
APR* AS LOW AS** TERMS IN MONTHS MINIMUM LOAN AMOUNT
3.74% 36 $5,000
3.99% 48 $5,000
4.24% 60 $10,000
4.49% 72 $15,000
5.99% 84 $20,000
6.99% 96 $35,000
7.99% 120 $35,000
*

APR = Annual Percentage Rate. Payment Example: A 60-month loan of $15,000 at 4.24% fixed APR will have 60 monthly payments of $18.53 per $1,000 borrowed. The minimum loan amount is $5,000. Loan amounts greater than $150,000 are considered High-Value Auto loans and an additional 1% APR will be added on top of the loan rate(s) listed above. All rates and terms are subject to change without notice. Restrictions may apply, ask for complete details.

**

APR = Annual Percentage Rate. The “APR AS LOW AS” rates listed above requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program (Program) + a 0.25% loan rate discount for autopay). Actual APR offered may be higher depending on the applicant’s credit rating and other underwriting factors. Must qualify for the Program at time of funding. Unsecured personal closed-end loans (excluding Five-O Funds Loans, Firearm & Equipment Loans, and other special-program personal loans) and new or used vehicle loans (excluding mobile home loans) are eligible for the Program’s loan rate discount. Any Program loan rate discount will remain in place for the term of the loan. Program loan rate discounts may not be combined with any other promotion or offer. Go to lapfcu.org/relationship-rewards for complete details. Other restrictions may apply, ask for complete details.

***

Up to 125% financing for new automobiles and used/classic automobiles of retail value, including tax, license, document fees and service maintenance contracts, on approved credit tier.

USED AUTO

UP TO 125% OF RETAIL VALUE***

Effective Date: April 20, 2026
APR* AS LOW AS** TERMS IN MONTHS MINIMUM LOAN AMOUNT
3.99% 36 $5,000
4.24% 48 $5,000
4.49% 60 $10,000
4.74% 72 $15,000
6.24% 84 $20,000
7.24% 96 $35,000
8.24% 120 $35,000
*

APR = Annual Percentage Rate. Payment Example: A 60-month loan of $15,000 at 4.49% fixed APR will have 60 monthly payments of $18.64 per $1,000 borrowed. The minimum loan amount is $5,000. Loan amounts greater than $150,000 are considered High-Value Auto loans and an additional 1% APR will be added on top of the loan rate(s) listed above. All rates and terms are subject to change without notice. Restrictions may apply, ask for complete details.

 

**

APR = Annual Percentage Rate. The “APR AS LOW AS” rates listed above requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program (Program) + a 0.25% loan rate discount for autopay). Actual APR offered may be higher depending on the applicant’s credit rating and other underwriting factors. Must qualify for the Program at time of funding. Unsecured personal closed-end loans (excluding Five-O Funds Loans, Firearm & Equipment Loans, and other special-program personal loans) and new or used vehicle loans (excluding mobile home loans) are eligible for the Program’s loan rate discount. Any Program loan rate discount will remain in place for the term of the loan. Program loan rate discounts may not be combined with any other promotion or offer. Go to lapfcu.org/relationship-rewards for complete details. Other restrictions may apply, ask for complete details.

***

Up to 125% financing for new automobiles and used/classic automobiles of retail value, including tax, license, document fees and service maintenance contracts, on approved credit tier.

NEW MOTORCYCLE, ATV & UTV LOANS

UP TO 110% OF RETAIL VALUE***

Effective Date: March 2, 2026
APR* AS LOW AS** TERMS IN MONTHS MINIMUM LOAN AMOUNT
6.99% 36 $2,500
6.99% 48 $2,500
7.24% 60 $10,000
7.74% 72 $15,000
7.99% 84 $20,000
8.49% 120 $35,000
*

APR = Annual Percentage Rate. Payment Example: A 60-month loan of $15,000 at 7.24% fixed APR will have 60 monthly payments of $19.91 per $1,000 borrowed. The minimum loan amount is $2,500. All rates and terms are subject to change without notice. Restrictions may apply, ask for complete details.

 

**

APR = Annual Percentage Rate. The “APR AS LOW AS” rates listed above requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program (Program) + a 0.25% loan rate discount for autopay). Actual APR offered may be higher depending on the applicant’s credit rating and other underwriting factors. Must qualify for the Program at time of funding. Unsecured personal closed-end loans (excluding Five-O Funds Loans, Firearm & Equipment Loans, and other special-program personal loans) and new or used vehicle loans (excluding mobile home loans) are eligible for the Program’s loan rate discount. Any Program loan rate discount will remain in place for the term of the loan. Program loan rate discounts may not be combined with any other promotion or offer. Go to lapfcu.org/relationship-rewards for complete details. Other restrictions may apply, ask for complete details.

***

Up to 110% financing for new motorcycles, ATV, and UTV, and used/classic motorcycles, ATV, and UTV of retail value, including tax, license, document fees and service maintenance contracts, on approved credit.

USED MOTORCYCLE, ATV & UTV LOANS

UP TO 110% OF RETAIL VALUE***

Effective Date: March 2, 2026
APR* AS LOW AS** TERMS IN MONTHS MINIMUM LOAN AMOUNT
7.24% 36 $2,500
7.24% 48 $2,500
7.49% 60 $10,000
7.99% 72 $15,000
8.24% 84 $20,000
8.74% 120 $35,000
*

APR = Annual Percentage Rate. Payment Example: A 60-month loan of $15,000 at 7.49% fixed APR will have 60 monthly payments of $20.03 per $1,000 borrowed. The minimum loan amount is $2,500. All rates and terms are subject to change without notice. Restrictions may apply, ask for complete details.


 

**

APR = Annual Percentage Rate. The “APR AS LOW AS” rates listed above requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program (Program) + a 0.25% loan rate discount for autopay). Actual APR offered may be higher depending on the applicant’s credit rating and other underwriting factors. Must qualify for the Program at time of funding. Unsecured personal closed-end loans (excluding Five-O Funds Loans, Firearm & Equipment Loans, and other special-program personal loans) and new or used vehicle loans (excluding mobile home loans) are eligible for the Program’s loan rate discount. Any Program loan rate discount will remain in place for the term of the loan. Program loan rate discounts may not be combined with any other promotion or offer. Go to lapfcu.org/relationship-rewards for complete details. Other restrictions may apply, ask for complete details.

***

Up to 110% financing for new motorcycles, ATV, and UTV, and used/classic motorcycles, ATV, and UTV of retail value, including tax, license, document fees and service maintenance contracts, on approved credit.

NEW BOAT & WATERCRAFT LOANS

UP TO 110% OF RETAIL VALUE***

Effective Date: March 2, 2026
APR* AS LOW AS** TERMS IN MONTHS MINIMUM LOAN AMOUNT
7.24% 36 $5,000
7.24% 48 $5,000
7.24% 60 $10,000
7.74% 72 $15,000
7.99% 84 $20,000
8.74% 120 $35,000
9.24% 180 $40,000
*

APR = Annual Percentage Rate. Payment Example: A 60-month loan of $15,000 at 7.24% fixed APR will have 60 monthly payments of $19.91 per $1,000 borrowed. The minimum loan amount is $2,500. All rates and terms are subject to change without notice. Restrictions may apply, ask for complete details.
 

**

APR = Annual Percentage Rate. The “APR AS LOW AS” rates listed above requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program (Program) + a 0.25% loan rate discount for autopay). Actual APR offered may be higher depending on the applicant’s credit rating and other underwriting factors. Must qualify for the Program at time of funding. Unsecured personal closed-end loans (excluding Five-O Funds Loans, Firearm & Equipment Loans, and other special-program personal loans) and new or used vehicle loans (excluding mobile home loans) are eligible for the Program’s loan rate discount. Any Program loan rate discount will remain in place for the term of the loan. Program loan rate discounts may not be combined with any other promotion or offer. Go to lapfcu.org/relationship-rewards for complete details. Other restrictions may apply, ask for complete details.

***

Up to 110% financing for new boats/watercraft and used/classic boats/watercraft of retail value, including tax, license, document fees and service maintenance contracts, on approved credit.

USED BOAT & WATERCRAFT LOANS

UP TO 110% OF RETAIL VALUE***

Effective Date: March 2, 2026
APR* AS LOW AS** TERMS IN MONTHS MINIMUM LOAN AMOUNT
7.49% 36 $5,000
7.49% 48 $5,000
7.49% 60 $10,000
7.99% 72 $15,000
8.24% 84 $20,000
8.99% 120 $35,000
9.49% 180 $40,000
*

APR = Annual Percentage Rate. Payment Example: A 60-month loan of $15,000 at 7.49% fixed APR will have 60 monthly payments of $20.03 per $1,000 borrowed. The minimum loan amount is $2,500. All rates and terms are subject to change without notice. Restrictions may apply, ask for complete details.

 

**

APR = Annual Percentage Rate. The “APR AS LOW AS” rates listed above requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program (Program) + a 0.25% loan rate discount for autopay). Actual APR offered may be higher depending on the applicant’s credit rating and other underwriting factors. Must qualify for the Program at time of funding. Unsecured personal closed-end loans (excluding Five-O Funds Loans, Firearm & Equipment Loans, and other special-program personal loans) and new or used vehicle loans (excluding mobile home loans) are eligible for the Program’s loan rate discount. Any Program loan rate discount will remain in place for the term of the loan. Program loan rate discounts may not be combined with any other promotion or offer. Go to lapfcu.org/relationship-rewards for complete details. Other restrictions may apply, ask for complete details.

***

Up to 110% financing for new boats/watercraft and used/classic boats/watercraft of retail value, including tax, license, document fees and service maintenance contracts, on approved credit.

NEW MOTORHOME & TRAVEL TRAILER LOANS

UP TO 110% OF RETAIL VALUE***

Effective Date: March 2, 2026
APR* AS LOW AS** TERMS IN MONTHS MINIMUM LOAN AMOUNT
7.24% 36 $5,000
7.24% 48 $5,000
7.24% 60 $10,000
7.74% 72 $15,000
7.99% 84 $20,000
8.74% 120 $35,000
9.24% 180 $40,000
*

APR = Annual Percentage Rate. Payment Example: A 60-month loan of $15,000 at 7.24% fixed APR will have 60 monthly payments of $19.91 per $1,000 borrowed. The minimum loan amount is $2,500. All rates and terms are subject to change without notice. Restrictions may apply, ask for complete details.

 

**

APR = Annual Percentage Rate. The “APR AS LOW AS” rates listed above requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program (Program) + a 0.25% loan rate discount for autopay). Actual APR offered may be higher depending on the applicant’s credit rating and other underwriting factors. Must qualify for the Program at time of funding. Unsecured personal closed-end loans (excluding Five-O Funds Loans, Firearm & Equipment Loans, and other special-program personal loans) and new or used vehicle loans (excluding mobile home loans) are eligible for the Program’s loan rate discount. Any Program loan rate discount will remain in place for the term of the loan. Program loan rate discounts may not be combined with any other promotion or offer. Go to lapfcu.org/relationship-rewards for complete details. Other restrictions may apply, ask for complete details.

***

Up to 110% financing for new motor home/travel trailer and used/classic motor home/travel trailer of retail value, including tax, license, document fees and service maintenance contracts, on approved credit.

USED MOTORHOME & TRAVEL TRAILER LOANS

UP TO 110% OF RETAIL VALUE***

Effective Date: March 2, 2026
APR* AS LOW AS** TERMS IN MONTHS MINIMUM LOAN AMOUNT
7.49% 36 $5,000
7.49% 48 $5,000
7.49% 60 $10,000
7.99% 72 $15,000
8.24% 84 $20,000
8.99% 120 $35,000
9.49% 180 $40,000
*

APR = Annual Percentage Rate. Payment Example: A 60-month loan of $15,000 at 7.49% fixed APR will have 60 monthly payments of $20.03 per $1,000 borrowed. The minimum loan amount is $2,500. All rates and terms are subject to change without notice. Restrictions may apply, ask for complete details.

 

**

APR = Annual Percentage Rate. The “APR AS LOW AS” rates listed above requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program (Program) + a 0.25% loan rate discount for autopay). Actual APR offered may be higher depending on the applicant’s credit rating and other underwriting factors. Must qualify for the Program at time of funding. Unsecured personal closed-end loans (excluding Five-O Funds Loans, Firearm & Equipment Loans, and other special-program personal loans) and new or used vehicle loans (excluding mobile home loans) are eligible for the Program’s loan rate discount. Any Program loan rate discount will remain in place for the term of the loan. Program loan rate discounts may not be combined with any other promotion or offer. Go to lapfcu.org/relationship-rewards for complete details. Other restrictions may apply, ask for complete details.

***

Up to 110% financing for new motor home/travel trailer and used/classic motor home/travel trailer of retail value, including tax, license, document fees and service maintenance contracts, on approved credit.

LAPFCU is a full service financial services provider for sworn and civilian law enforcement professionals of federal, state, county, and city agencies and their family members in Southern California.