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
| APR* AS LOW AS | TERMS 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: February 22, 2024
*
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, including 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 |
|---|---|---|
| 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: February 22, 2024
*
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, including 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** | $2,500 |
|---|---|---|
| 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: February 22, 2024
*
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, including 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 |
|---|---|---|
| 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 |
*
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, including 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 |
|---|---|---|
| 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: February 22, 2024
*
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, including 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 |
|---|---|---|
| 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: February 22, 2024
*
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, including 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 |
|---|---|---|
| 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: February 22, 2024
*
PR = 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, including 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 |
|---|---|---|
| 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: February 22, 2024
*
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, including tax, license, document fees and service maintenance contracts, on approved credit.
LAPFCU is a full-service credit union for sworn, civilian, and professional employees of police and sheriff's departments and their family members in Los Angeles, Orange, Riverside, San Bernardino and Ventura counties.