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Auto/Truck Loans

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  • Autos and Trucks

    It’s time for a new ride. From motorcycles and trailers to RVs or even watercraft, LAPFCU has you covered with a loan that’s right for you. Plus, receive a 0.50% APR discount* when you qualify for our Member Benefits program.

    • Flexible term and rate options
    • Low monthly payments and competitive rates
    • Financing for both new and used vehicles
    • Refinance options on current loans

    More than just a loan

    We’re here to help you with every step of your auto buying journey.

    1. Find it

    2. Finance it

    3. Protect it

     

    You might also be interested in...

  • Rates

     

    NEW AUTO

    UP TO 125% OF RETAIL VALUE***

    APR* As Low AsTerms in Months**Minimum Loan Amount
    5.49%36$2,500
    5.74%48$2,500
    6.24%60$10,000
    6.74%72$15,000
    7.24%84$20,000

    EFFECTIVE RATE DATE: November 2, 2023

    *APR = Annual Percentage Rate. The posted rate(s) includes the Member Benefits 0.50% APR reduction for automatic payments. The member must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.

    **To qualify for 6.24% fixed APR for 60 months requires a FICO score of 760 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 8.24% fixed APR with zero down payment will have 60 monthly payments of $20.39 per each $1,000 borrowed. 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, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.

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


    USED AUTO

    UP TO 125% OF RETAIL VALUE***

    APR* as low asTerms in months**Minimum Loan Amount
    5.74%36$2,500
    5.99%48$2,500
    6.49%60$10,000
    6.99%72$15,000
    7.49%84$20,000

    EFFECTIVE RATE DATE: November 2, 2023

    *APR = Annual Percentage Rate. The posted rate(s) includes the Member Benefits 0.50% APR reduction for automatic payments. The member must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.

    **To qualify for 6.49% fixed APR for 60 months requires a FICO score of 760 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 8.49% fixed APR with zero down payment will have 60 monthly payments of $20.51 per each $1,000 borrowed. 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, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.

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


    NEW MOTORCYCLE, ATV & UTV LOANS

    UP TO 110% OF RETAIL VALUE***

    APR* As Low AsTerms in Months**Minimum Loan Amount
    7.49%36$2,500
    7.99%48$2,500
    8.24%60$10,000
    8.74%72$15,000
    8.99%84$20,000

    EFFECTIVE RATE DATE: November 2, 2023

    *APR = Annual Percentage Rate. The posted rate(s) includes the Member Benefits 0.50% APR reduction for automatic payments. The member must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.

    **To qualify for 8.24% fixed APR for 60 months requires a FICO score of 760 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 10.24% fixed APR with zero down payment will have 60 monthly payments of $21.37 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.

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


    USED MOTORCYCLE, ATV & UTV LOANS

    UP TO 110% OF RETAIL VALUE***

    APR* AS LOW ASTERMS IN MONTHS**MINIMUM LOAN AMOUNT
    7.74%36$2,500
    8.24%48$2,500
    8.49%60$10,000
    8.99%72$15,000
    9.24%84$20,000

    EFFECTIVE RATE DATE: November 2, 2023

    *APR = Annual Percentage Rate. The posted rate(s) includes the Member Benefits 0.50% APR reduction for automatic payments. The member must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.

    **To qualify for 8.49% fixed APR for 60 months requires a FICO score of 760 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 10.49% fixed APR with zero down payment will have 60 monthly payments of $21.49 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.

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


    NEW BOAT & WATERCRAFT LOANS

    UP TO 110% OF RETAIL VALUE***

    APR* AS LOW ASTERMS IN MONTHS**MINIMUM LOAN AMOUNT
    7.49%36$2,500
    7.99%48$2,500
    8.24%60$10,000
    8.74%72$15,000
    8.99%84$20,000
    9.49%120$35,000
    9.99%180$40,000

    EFFECTIVE RATE DATE: November 2, 2023

    *APR = Annual Percentage Rate. The posted rate(s) includes the Member Benefits 0.50% APR reduction for automatic payments. The member must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.

    **To qualify for 8.24% fixed APR for 60 months requires a FICO score of 760 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 10.24% fixed APR with zero down payment will have 60 monthly payments of $21.37 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.

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


    USED BOAT & WATERCRAFT LOANS

    UP TO 110% OF RETAIL VALUE***

    APR* AS LOW ASTERMS IN MONTHS**MINIMUM LOAN AMOUNT
    7.74%36$2,500
    8.24%48$2,500
    8.49%60$10,000
    8.99%72 $15,000
    9.24%84$20,000
    9.74%120$35,000
    10.24%180$40,000

    EFFECTIVE RATE DATE: November 2, 2023

    *APR = Annual Percentage Rate. The posted rate(s) includes the Member Benefits 0.50% APR reduction for automatic payments. The member must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.

    **To qualify for 8.49% fixed APR for 60 months requires a FICO score of 760 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 10.49% fixed APR with zero down payment will have 60 monthly payments of $21.49 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.

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


    NEW MOTORHOME & TRAVEL TRAILER LOANS

    UP TO 110% OF RETAIL VALUE***

    APR* AS LOW ASTERMS IN MONTHS**MINIMUM LOAN AMOUNT
    7.49%36$2,500
    7.99%48$2,500
    8.24%60$10,000
    8.74%72$15,000
    8.99%84$20,000
    9.49%120$35,000
    9.99%180$40,000

    EFFECTIVE RATE DATE: November 2, 2023

    *APR = Annual Percentage Rate. The posted rate(s) includes the Member Benefits 0.50% APR reduction for automatic payments. The member must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.

    **To qualify for 8.24% fixed APR for 60 months requires a FICO score of 760 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 10.24% fixed APR with zero down payment will have 60 monthly payments of $21.37 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. 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, plus tax, license, document fees and service maintenance contracts, on approved credit.


    USED MOTORHOME & TRAVEL TRAILER LOANS

    UP TO 110% OF RETAIL VALUE***

    APR* AS LOW ASTERMS IN MONTHS**MINIMUM LOAN AMOUNT
    7.74%36$2,500
    8.24%48$2,500
    8.49%60$10,000
    8.99%72$15,000
    9.24%84$20,000
    9.74%120 $35,000
    10.24%180$40,000

    EFFECTIVE RATE DATE: November 2, 2023

    *APR = Annual Percentage Rate. The posted rate(s) includes the Member Benefits 0.50% APR reduction for automatic payments. The member must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.

    **To qualify for 8.49% fixed APR for 60 months requires a FICO score of 760 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 10.49% fixed APR with zero down payment will have 60 monthly payments of $21.49 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. 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, plus tax, license, document fees and service maintenance contracts, on approved credit.

     

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Disclosures

*APR = Annual Percentage Rate. Variable rates may increase or decrease during the term of the loan. 0.50% APR rate reduction will remain in place for the term of the loan. Member must qualify for Member Benefits to receive 0.50% rate reduction. See complete program details here. The following loan types are excluded from Member Benefits rate reductions: real estate loan, mobile home, unsecured lines of credit, credit cards, share loans and share certificate loans. Program rate reduction may not be combined with any other offer.