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Overview
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.
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Find it
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Finance it
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Protect it
You might also be interested in...
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Autoland
Autoland is LAPFCU's free, concierge auto buying service. Your personal consultant will find your dream car and deliver it right to you. Save time and avoid the hassles of the dealership.
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Autosmart
With Autosmart, you can search dealership inventory online or visit a participating local dealership. Tell them you’re an LAPFCU member for fast and easy financing.
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LAPCUSO Insurance
To learn more about our competitive auto insurance rates, call (877) 695-2732, option 4, press 1.
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Rates
NEW AUTO
UP TO 125% OF RETAIL VALUE***
APR* As Low As Terms in Months** Minimum Loan Amount 4.74% 36 $2,500 5.24% 48 $2,500 5.49% 60 $10,000 5.99% 72 $15,000 6.24% 84 $20,000 6.74% 120 $35,000 EFFECTIVE RATE DATE: May 18, 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 5.49% 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 7.49% fixed APR with zero down payment will have 60 monthly payments of $20.03 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 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 as Terms in months** Minimum Loan Amount 4.99% 36 $2,500 5.49% 48 $2,500 5.74% 60 $10,000 6.24% 72 $15,000 6.49% 84 $20,000 6.99% 120 $35,000 EFFECTIVE RATE DATE: May 18, 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 5.74% 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 7.74% fixed APR with zero down payment will have 60 monthly payments of $20.15 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 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 As Terms in Months** Minimum Loan Amount 6.74% 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 9.24% 180 $40,000 EFFECTIVE RATE DATE: May 18, 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 7.49% 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 9.49% fixed APR with zero down payment will have 60 monthly payments of $21.00 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 AS TERMS IN MONTHS** MINIMUM LOAN AMOUNT 6.99% 36 $2,500 7.49% 48 $2,500 7.74% 60 $10,000 8.24% 72 $15,000 8.49% 84 $20,000 8.99% 120 $35,000 9.49% 180 $40,000 EFFECTIVE RATE DATE: May 18, 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 7.74% 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 9.74% fixed APR with zero down payment will have 60 monthly payments of $21.12 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 AS TERMS IN MONTHS** MINIMUM LOAN AMOUNT 6.74% 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 9.24% 180 $40,000 EFFECTIVE RATE DATE: May 18, 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 7.49% 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 9.49% fixed APR with zero down payment will have 60 monthly payments of $21.00 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 AS TERMS IN MONTHS** MINIMUM LOAN AMOUNT 6.99% 36 $2,500 7.49% 48 $2,500 7.74% 60 $10,000 8.24% 72 $15,000 8.49% 84 $20,000 8.99% 120 $35,000 9.49% 180 $40,000 EFFECTIVE RATE DATE: May 18, 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 7.74% 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 9.74% fixed APR with zero down payment will have 60 monthly payments of $21.12 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 AS TERMS IN MONTHS** MINIMUM LOAN AMOUNT 6.74% 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 9.24% 180 $40,000 EFFECTIVE RATE DATE: May 18, 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 7.49% 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 9.49% fixed APR with zero down payment will have 60 monthly payments of $21.00 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 AS TERMS IN MONTHS** MINIMUM LOAN AMOUNT 6.99% 36 $2,500 7.49% 48 $2,500 7.74% 60 $10,000 8.24% 72 $15,000 8.49% 84 $20,000 8.99% 120 $35,000 9.49% 180 $40,000 EFFECTIVE RATE DATE: May 18, 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 7.74% 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 9.74% fixed APR with zero down payment will have 60 monthly payments of $21.12 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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FAQs
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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.