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Auto/Truck Loans

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  • Vehicles of all types

    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

     

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  • Rates

    Vehicle Loan Rates

    Auto Loans

    Term**Member Benefits Fixed Rate APR*
    Up to 60 months ($10,000 or more) Up to 125% of Retail Value*** 2.49%
    Up to 72 months ($15,000 or more) Up to 125% of Retail Value*** 3.490%
    Up to 84 months ($20,000 or more) Up to 110% of Retail Value*** 3.990%
    Up to 120 months ($35,000 or more) Up to 110% of Retail Value*** 5.990%
    Up to 60 months ($10,000 or more) Up to 125% of Retail Value*** 1.990%
    Up to 72 months ($15,000 or more) Up to 125% of Retail Value*** 3.490%
    Up to 84 months ($20,000 or more) Up to 125% of Retail Value*** 3.990%

    EFFECTIVE RATE DATE: March 14, 2019

    *APR = Annual Percentage Rate. Member Benefits 0.50% APR reduction includes automatic payment discount. 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. Program rate reductions may not be combined with any other promotion. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.
    **To qualify got 1.99% fixed APR for 60 months requires a FICO score of 800 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 https://www.lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 1.990% fixed APR with zero down payment will have 60 monthly payments of $17.52 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 110% for used/classic automobiles of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit.


    Motorcycle Loans

    Loan Type Term**Member Benefits Fixed Rate APR*
    New Motorcycle Up to 60 months Up to 125% of Retail Value*** 2.750% – 9.740%
    61 to 72 months Up to 125% of Retail Value*** 4.450% – 10.450%
    73 to 84 months (Financed Amount $25,000 or more) Up to 125% of Retail Value*** 5.075% – 11.075%
    85 to 120 months Up to 125% of Retail Value*** 7.325% – 13.325%
    Used Motorcycle Up to 60 months Up to 110% of Retail Value ($6,000 to $24,999)*** 2.990% – 10.000%
    61 to 72 months Up to 110% of Retail Value ($6,000 to $24,999)*** 4.990% – 10.990%
    73 to 84 months (Financed Amount $25,000 or more) Up to 110% of Retail Value*** 5.850% – 11.850%

    EFFECTIVE RATE DATE: February 7, 2019

    *APR = Annual Percentage Rate. Member Benefits 0.50% APR reduction includes automatic payment discount. 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. Program rate reductions may not be combined with any other promotion. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.
    **To qualify got 2.75% fixed APR for 60 months requires a FICO score of 800 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 https://www.lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 2.75% fixed APR with zero down payment will have 60 monthly payments of $17.86 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 motorcycles and 110% for used/classic motorcycles of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit.


    Boat & Watercraft Loans

    Loan Type Term**Member Benefits Fixed Rate APR*
    New Boat & Watercraft Up to 84 months Up to 125% of Retail Value*** 3.500% – 10.250%
    85 to 144 months (Financed Amount $30,000 or more) Up to 125% of Retail Value*** 4.990% – 10.990%
    145 to 180 months (Financed Amount $50,000 or more.) Up to 125% of Retail Value*** 5.730% – 11.730%
    Used Boat & Watercraft Up to 72 months Up to 110% of Retail Value*** 3.500% – 10.250%
    85 to 144 months (Financed Amount $30,000 or more) Up to 110% of Retail Value*** 5.025% – 11.025%
    145 to 180 months (Financed Amount $50,000 or more.) Up to 110% of Retail Value*** 6.240% – 12.240%

    EFFECTIVE RATE DATE: February 7, 2019

    *APR = Annual Percentage Rate. Member Benefits 0.50% APR reduction includes automatic payment discount. 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. Program rate reductions may not be combined with any other promotion. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.
    **To qualify got 3.500% fixed APR for 84 months requires a FICO score of 800 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 https://www.lapfcu.org/member-benefits/ for complete details. 84-month term payment example: A 7-year loan at 3.500% fixed APR with zero down payment will have 84 monthly payments of $13.44 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 boats/watercraft and 110% for used/classic boats/watercraft of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit.


    Motor Home & Travel Trailer Loans

    Loan TypeTerm** Member Benefits Fixed Rate APR*
    NEW MOTORHOMES / TRAVEL TRAILERS Up to 84 months Up to 125% of Retail Value*** 3.500% – 9.750%
    85 to 144 months (Financed Amount $30,000 or more) Up to 125% of Retail Value*** 4.990% – 10.990%
    145 to 180 months (Financed Amount $50,000 or more. Up to 240 months if member states in writing he or she plans to use vehicle as primary residence.) Up to 125% of Retail Value*** 5.250% – 11.250%
    USED MOTORHOMES / TRAVEL TRAILERS Up to 84 months Up to 110% of Retail Value*** 3.500% – 9.750%
    85 to 144 months (Financed Amount $30,000 or more) Up to 110% of Retail Value*** 4.990% – 10.990%
    145 to 180 months (Financed Amount $50,000 or more. Up to 240 months if member states in writing he or she plans to use vehicle as primary residence.) Up to 110% of Retail Value*** 6.000% – 12.000%

    EFFECTIVE RATE DATE: February 7, 2019

    *APR = Annual Percentage Rate. Member Benefits 0.50% APR reduction includes automatic payment discount. 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. Program rate reductions may not be combined with any other promotion. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.
    **To qualify got 3.500% fixed APR for 84 months requires a FICO score of 800 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 https://www.lapfcu.org/member-benefits/ for complete details. 84-month term payment example: A 7-year loan at 3.500% fixed APR with zero down payment will have 84 monthly payments of $13.44 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 motor home/travel trailer and 110% for used/classic motor home/travel trailer of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit.


    Aircraft Loans

    Loan Type Term** Member Benefits Fixed Rate APR*
    New Aircraft Up to 84 months Up to 125% of Retail Value*** 7.500% – 14.500%
    85 to 144 months (Financed Amount $30,000 or more) Up to 125% of Retail Value*** 8.600% – 14.600%
    144 to 180 months (Financed Amount $30,000 or more) Up to 125% of Retail Value*** 10.600% – 16.600%
    Used Aircraft Up to 84 months Up to 110% of Retail Value*** 8.000% – 15.000%
    85 to 144 months (Financed Amount $30,000 or more) Up to 110% of Retail Value*** 9.250% – 15.250%

    EFFECTIVE RATE DATE: February 7, 2019

    *APR = Annual Percentage Rate. Member Benefits 0.50% APR reduction includes automatic payment discount. 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. Program rate reductions may not be combined with any other promotion. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.
    **To qualify got 7.500% fixed APR for 84 months requires a FICO score of 800 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 https://www.lapfcu.org/member-benefits/ for complete details. 84-month term payment example: A 7-year loan at 7.500% fixed APR with zero down payment will have 84 monthly payments of $15.34 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 aircraft and 110% for used/classic aircraft of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit.

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  • FAQS

    Do you also offer variable APR* vehicle loans?

    Yes, we offer variable APR* vehicle loans. Please contact us for additional details.

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    For more information, or if you have questions, please get in touch with us

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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 enroll in automatic payments. 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.