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Loans

Personal Loans

A personal loan from Lanier FCU can help with your loan needs, whatever they may be. You can use a personal loan to consolidate debt, finance a vacation or cover holiday expenses. These loans can also help you pay for medical emergencies and other unexpected events. Personal loans from Lanier FCU comes with low interest rates, fast processing and convenient repayment terms, as well as efficient, personalized service.

Share Secured Loans

With a Lanier FCU share secured loan, your deposit in a Lanier FCU share savings account or savings certificate serves as collateral to secure your loan. Share secured loans carry our most attractive interest rates, and you'll even continue to earn dividends on your savings!

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Making a Payment Has Never Been Easier!

  • FREE Online & Mobile Banking
  • FREE ACH Payments
  • FREE Payroll Deduction
  • FREE Transfers from other LFCU Accounts

New Pay-By-Phone with Debit/Credit

Call or come in and pay with your VISA Debit or Credit Card, or MasterCard with another Financial Institution! A 5% Processing Fee does apply.

Car/Truck/SUV Loans

Shopping for a new or used car, truck or motorcycle? You're in the right place because we strive to match or BEAT dealership financing rates! You've already got plenty to think about: Makes, models, optional equipment, colors and so on. When it comes to financing, make it easy on yourself with an auto loan from LFCU.

We have loans available for new or used cars, and trucks. Our loans feature competitive interest rates and the kind of efficient, personalized service that only your credit union can provide.

Dealer vs. LFCU Payment Calculator

First Time Buyers

This program is designed for individuals making their first vehicle purchase. Buying a vehicle is a major commitment! Let our personal service be there to walk you through every step of the process.

Second Chance Auto Loans

This program is designed for individuals with past credit issues. We understand that unexpected things can happen and cause a financial strain. We also believe that you deserve a "second chance". This loan program can help you rebuild your credit and obtain an affordable, reliable auto.

APPLY NOW RATES


Auto Protection

Did you know that your auto insurance may not cover everything that you expect it to?

In the event that your vehicle is deemed a total loss due to an accident or theft, your auto insurance policy will typically only cover the actual cash value (ACV) or market value (AMV) of your vehicle, less your deductible. This settlement could be significantly less than the amount you owe to your lender or leasing company due to depreciation and current market conditions. The final result is a financial GAP where you must make up the difference, which could mean thousands of dollars out of your pocket.

Let us change that!

Lanier Federal Credit Union’s Guaranteed Auto Protection Plus (GAP) is a loan/lease deficiency waiver that is not offered as insurance coverage. Guaranteed Auto Protection Plus Protects individuals who finance a new or used vehicle from the financial GAP.

The purchase of GAP is voluntary and cannot be required as a condition of credit approval. GAP covers the difference between the actual cash value of your vehicle and the loan/lease balance, less delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges.

Guaranteed Auto Protection Plus will even cover your auto insurance deductible of $500 or $1,000.

Apply Now Rates


Making a Payment Has Never Been Easier!

  • FREE Online & Mobile Banking
  • FREE ACH Payments
  • FREE Payroll Deduction
  • FREE Transfers from other LFCU Accounts

New Pay-By-Phone with Debit/Credit

Call or come in and pay with your VISA Debit or Credit Card, or MasterCard with another Financial Institution! A 5% Processing Fee does apply.

Boat or Jet Ski Loans

Ready to add to your leisure-time fun with a boat or Jet Ski? Let LFCU help you finance those dreams. We offer loans on new and used watercrafts. 

All our loans come with competitive interest rates and efficient, personalized service. When it's time to stop dreaming and make some waves, come to LFCU!

Payment Calculator
*Note: Refer to our loan rates for available term lengths.

Apply Now Rates


Making a Payment Has Never Been Easier!

  • FREE Online & Mobile Banking
  • FREE ACH Payments
  • FREE Payroll Deduction
  • FREE Transfers from other LFCU Accounts

New Pay-By-Phone with Debit/Credit

Call or come in and pay with your VISA Debit or Credit Card, or MasterCard with another Financial Institution! A 5% Processing Fee does apply.

Camper/ATV/Other Loans

Ready to add some excitement to your life with an ATV? Or maybe you want to explore the world with your family? We offer loans on new and used campers and ATVs. All of our loans come with competitive interest rates and efficient, personalized service. When it's time to stop dreaming and tear up the highway or get a little muddy, you know who to call! 

And why stop there? We have loans for tractors, lawn mowers and even computers too. So if it's time to upgrade your farming equipment, or maybe you want to start a landscaping business, we have you covered. A new computer for your home, business, or school work would be nice as well. Whatever it may be, our loan officers will match competitor's loan rates and take care of you! LFCU wants all of our members to know that we care about you and your lives! So don't hesitate to call or come in and ask about a loan option you do not see listed on our website.

We Love Our Members!

Apply Now Rates


Making a Payment Has Never Been Easier!

  • FREE Online & Mobile Banking
  • FREE ACH Payments
  • FREE Payroll Deduction
  • FREE Transfers from other LFCU Accounts

New Pay-By-Phone with Debit/Credit

Call or come in and pay with your VISA Debit or Credit Card, or MasterCard with another Financial Institution! A 5% Processing Fee does apply.

Second Chance Auto Loans¹

This program is designed for individuals with past credit issues. We understand that unexpected things can happen and cause a financial strain. We also believe that you deserve a "second chance". Our loan program can help you rebuild your credit and obtain an affordable, reliable auto loan.

Program Guidelines:

  • Maximum vehicle age of 10 years.
  • Maximum mileage of 150,000 miles.
  • Minimum down payment of 20%.

Apply Now

¹LFCU credit approval required. Other stipulations may apply.


Making a Payment Has Never Been Easier!

  • FREE Online & Mobile Banking
  • FREE ACH Payments
  • FREE Payroll Deduction
  • FREE Transfers from other LFCU Accounts

New Pay-By-Phone with Debit/Credit

Call or come in and pay with your VISA Debit or Credit Card, or MasterCard with another Financial Institution! A 5% Processing Fee does apply.

Apply Now Rates

Real Estate Loans

Whether you are looking to lower your monthly payments, shorten your term or obtain some cash for home improvements, Lanier Federal Credit Union can help! Our superior lending rates and terms make us the Credit Union to do business with!

Our IN-HOUSE loans are refinance options only, NO PURCHASE of any kind.

First Mortgage Refinance 

  • Maximum loan amount of $150,000
  • Maximum term of 15 years

We also offer IN-HOUSE equity options, NO PURCHASE of any kind

  • Maximum loan amount of $100,000
  • Maximum term of 10 years
  • Second Mortgages
  • Home Equity Line of Credit (HELOC)
  • Mobile Homes with Land
  • Vacant Land Lots
  • NMLS# 779877

Our Loan Officers will be happy to discuss these options to help determine what is best for you!


Home Purchases / First Mortgages

Whether you are looking to purchase your first home or refinance your current mortgage to lower your payments, Lanier Federal Credit Union has a solution for you!

Lanier Federal has teamed up with Credit Union Financial Services (CUFS) to offer our members a variety of first mortgage products. Home purchase or refinance for a longer term, CUFS is here to help!

CUFS Mortgage Products & Information


Making a Payment Has Never Been Easier!

  • FREE Online & Mobile Banking
  • FREE ACH Payments
  • FREE Payroll Deduction
  • FREE Transfers from other LFCU Accounts

New Pay-By-Phone with Debit/Credit

Call or come in and pay with your VISA Debit or Credit Card, or MasterCard with another Financial Institution! A 5% Processing Fee does apply.

Apply Now

The Smart Option Student Loan® by Sallie Mae® is an ideal solution to finance the cost of your education expenses while attending degree-granting institutions. 

Now you can pay for college the smart way with three great repayment options at the most competitive interest rates! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

Making a Payment Has Never Been Easier!

  • FREE Online & Mobile Banking
  • FREE ACH Payments
  • FREE Payroll Deduction
  • FREE Transfers from other LFCU Accounts

Car Buying Service

At Lanier Federal Credit Union, we are always striving to find new innovative solutions for our members. Now, we are offering a brand new service to help you locate your next vehicle, AND have it delivered to you too!


Auto Assistance 

Auto Assistance, LLC is a premier auto buying service dedicated to serving credit union members. Auto Assistance helps members locate their next vehicles, negotiate their deals and oversee their entire transactions. Our goal is to make car buying easier!  Their main focus is on eliminating the stress in auto buying for our credit union members.  Our program is successful due to our solid working relationships with our credit union partner and dealer network partners.  Our dealer partners see the value, understand the niche market we serve, and have a goal that is focused on long-term volume growth and not just short term success.  It is our mission to be a valuable part of every member’s story.  We’ll make your auto shopping journey one of your best moments!

Click here  and see the Auto Assistance difference!


Carvana

Carvana's goal is to revolutionize the car buying industry and make the process of buying a car as easy, stress free, and transparent as possible. CARVANA is now offering LFCU members a better car buying experience without the struggle of dealing with a dealership or middle man. With 100% of their stock being Carvana Certified, you can create a digital garage and have peace of mind knowing that you will be happy with the purchase.

  • Delivery to your door, neighborhood Lanier Federal Credit Union, or Carvana Vending Machine
  • 7 day return policy

Get started finding the car of your dreams!


Making a Payment Has Never Been Easier!

  • FREE Online & Mobile Banking
  • FREE ACH Payments
  • FREE Payroll Deduction
  • FREE Transfers from other LFCU Accounts

New Pay-By-Phone with Debit/Credit

Call or come in and pay with your VISA Debit or Credit Card, or MasterCard with another Financial Institution! A 5% Processing Fee does apply.