Let our loan officers save you time and money! Since rates change frequently, if you qualify for a better advertised offer than ours (which isn't likely), our loan officers will try and beat your best offer, saving you even MORE money!
In the market for a new car? Don't be fooled by the dealer's advertisements: A supposed 0.00% rate has minimal repayment terms, down payments are large, you waive your substantial rebate, and qualifications are extreme. Let Lanier Federal Credit Union lower your payments and save you time, money & frustration. Let the dealer know up front that you want Lanier Federal Credit Union to handle your financing!
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PLEASE VERIFY YOU ARE ELIGIBLE FOR MEMBERSHIP BEFORE APPLYING
- UP TO 120% MSRP/JD POWERS RETAIL VALUE FOR QUALIFIED MEMBERS
- REFINANCE YOUR VEHICLE TO REDUCE YOUR PAYMENTS
- SERVICE CONTRACTS AVAILABLE
- GAP COVERAGE AVAILABLE
- PAYMENT PROTECTION AVAILABLE
- CAR BUYING SERVICE AVAILABLE
- MAX MILEAGE 150k ANY VEHICLE
Second Chance Auto Loans. We can help! Ask a loan officer for details.
SECOND CHANCE AUTO LOANS
As of 1/1/2025
New Autos: Purchase/Refinance (add .5% for cash out)
| Loan Type |
Terms (Months) |
Interest Rate1 |
|
New - 2023 Year Model (Max 100k miles) (Max 85k miles)
(Max 50K miles) Minimum loan amount $40k
|
36 months or less
37 - 48 months 49 - 60 months 61 - 72 months
73 - 84 months
|
3.99%*
4.25%* 4.49%* 4.99%*
6.49%*
|
|
2022 to 2020 Year Model
(Max 150k miles)
(Max 100k miles) (Max 75k miles)
|
36 months or less
37 - 48 months
49 - 60 months 61 - 72 months |
3.99%*
4.25%*
4.49%* 4.99%*
|
2019 - 2015 Year Model
(Max 125k Miles)
(Max 85k Miles) |
36 months or less
37 - 48 months 49 - 60 months
|
6.49%*
7.49%* 8.49%* |
New Motorcycles: Purchase/Refinance
| Loan Type |
Terms (Months) |
Interest Rate1 |
| New |
48 months or less |
6.49%* |
| |
49 - 60 months |
6.99%* |
| |
61 - 72 months |
7.99%* |
Used Motorcycles:
| Loan Type |
Terms (Months) |
Interest Rate1 |
| Used - 2015 Year Model |
Up to 36 months |
7.49%* |
| |
37 - 48 months |
7.75%* |
| |
49 - 60 months |
8.49%* |
Boat (No Cash Out)
|
| Loan Type |
Terms (Months) |
Interest Rate1 |
| New - Used 2015 Year Model |
up to 60 months |
7.25%* |
| (Minimum Loan of $15,000) |
61 - 96 months |
7.99%* |
| (Minimum Loan of $25,000) |
97 - 120 months |
8.75%* |
|
(Minimum loan of $40,000)
|
121 - 144 months
|
9.75%*
|
Camper (No Cash Out)
| Loan Type |
Terms (Months) |
Interest Rate |
| New - Used 2015 Year Model |
up to 60 months |
7.25%* |
| (Minimum Loan of $15,000) |
61 - 96 months |
7.99%* |
| (Minimum Loan of $25,000) |
97 - 120 months |
8.75%* |
| (Minimum loan of $40,000) |
121 - 144 months |
9.75%* |
ATV, Dirt Bike, Jet Ski, Mowers:
| Loan Type |
Terms (Months) |
Interest Rate1 |
| New - Used 2015 Year Model |
48 months or less |
7.75%* |
| |
49-60 months |
7.99%* |
| |
61 - 72 months |
8.99%* |
Signature
| Loan Type |
Terms (Months) |
Interest Rate1 |
| Signature |
up to 60 months |
10.99%* |
| Student Loans |
Click for details |
|
Share / CD Secured
| Terms (Months) |
Interest Rate1 |
| Up to 24 months |
Dividend rate + 2% |
| 25 - 48 months |
Dividend rate + 2.5% |
| 49 - 72 months |
Dividend rate + 3% |
| 73 - 84 months |
Dividend rate + 4% |
Overdraft Protection
| Terms (Months) |
Interest Rate1 |
| Variable |
18.00%* |
MasterCard
| Terms (Months) |
Interest Rate1 |
|
Classic Mastercard
Rewards Mastercard
|
As low as 7.9%
As low as 9.9%
|
IF YOU FIND A BETTER DEAL, CONTACT OUR LOAN OFFICERS!
We strive to offer you the best possible loan rates!!
1 Daily interest rate, APR may differ
* Rates are subject to change without notice. Your interest rate is based on your credit profile/beacon, term, age, and value of collateral, as well as LFCU underwriting guidelines. Therefore, your individual rate could be higher than the stated rate. Those with past credit problems will receive rates consistent with their credit history. Our loans are simple interest, closed end notes. Extended terms are based on amount financed. Loan processing fee up to $50 may apply on some loans. Fee does not account for lien recording or membership requirements. Non-Members must meet LFCU membership requirements. Please speak with a Loan Officer for details.
ASK US ABOUT REFINANCING YOUR VEHICLE TODAY!