Auto Loan Rates for New and Used Cars
Compare new and used car loan rates. LAPFCU finances cars, trucks, and SUVs. Loans may cover up to 125% of the retail value, which may include taxes, license, and document fees.
COMPARE NEW AND USED AUTO LOAN RATES
Find financing that fits your budget and save money on interest charges over the life of your loan.
NEW CAR LOAN RATES
Effective Date: September 14, 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 |
| 5.74% | 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 CAR LOAN RATES
UP TO 125% OF RETAIL VALUE***
Effective Date: September 14, 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 |
| 5.99% | 84 | $20,000 |
| 7.24% | 96 | $35,000 |
| 8.24% | 120 | $35,000 |
**
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.
*
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.
***
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 LOAN RATES
UP TO 110% OF RETAIL VALUE***
Effective Date: June 29, 2026
| APR* AS LOW AS** | TERMS IN MONTHS | MINIMUM LOAN AMOUNT |
|---|---|---|
| 6.49% | 36 | $2,500 |
| 6.49% | 48 | $2,500 |
| 6.74% | 60 | $10,000 |
| 7.24% | 72 | $15,000 |
| 7.99% | 84 | $20,000 |
| 8.49% | 120 | $35,000 |
***
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.
**
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.
*
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.
USED MOTORCYCLE, ATV & UTV LOAN RATES
UP TO 110% OF RETAIL VALUE***
Effective Date: June 29, 2026
| APR* AS LOW AS** | TERMS IN MONTHS | MINIMUM LOAN AMOUNT |
|---|---|---|
| 6.74% | 36 | $2,500 |
| 6.74% | 48 | $2,500 |
| 6.99% | 60 | $10,000 |
| 7.49% | 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 LOAN RATES
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 |
***
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.
**
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.
*
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.
USED BOAT & WATERCRAFT LOAN RATES
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. 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.
*
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.
***
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 LOAN RATES
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 LOAN RATES
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 |
***
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.
**
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.
*
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.
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.