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Loan Rates

Let our loan officers save you time and money! Since rates change frequently, if you qualify for a better adver tised 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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  • UP TO 120% MSRP/NADA RETAIL FOR QUALIFIED MEMBERS
  • REFINANCE YOUR VEHICLE TO REDUCE YOUR PAYMENTS
  • SERVICE CONTRACTS AVAILABLE
  • GAP COVERAGE AVAILABLE
  • PAYMENT PROTECTION AVAILABLE
  • CAR BUYING SERVICE AVAILABLE

Second Chance Auto Loans. We can help! Ask a loan officer for details.
*Maximum 150,000 miles.

SECOND CHANCE AUTO LOANS

As of 03/01/19**

New Autos: Purchase/Refinance (add .5% for cash out)
Loan Type Terms (Months) Interest Rate1
New - 2014 Year Model 36 months or less
37 - 48 months
2.49%*
2.75%*
(Max 100k miles for 60 months)
(Max 75k miles for 72 months)
49 - 60 months
61 - 72 months
2.99%*
3.49%*
(Minimum loan amount $25k
Max 50K miles for 84 months)
73 - 84 months 3.99%*
2013 to 2009 Year Model
(Max 150k miles for 48 months)
(Max 100k miles for 60 months)
36 months or less
37 - 48 months
49 - 60 months

3.49%*
3.75%*
3.99%*

2008 & Older Year Model
(Max 100k Miles for 36 months)
(Max mileage any vehicle 150k*)
25 - 36 months
37 - 48 months
5.99%
6.49%
New Motorcycles: Purchase/Refinance
Loan Type Terms (Months) Interest Rate1
New 48 months or less 5.25%*
  49 - 60 months 5.49%*
  61 - 72 months 6.49%*
Used Motorcycles: (add 1% for cash out)
Loan Type Terms (Months) Interest Rate1
Used - 2009 Year Model Up to 36 months 6.25%*
  37 - 48 months 6.49%*
  49 - 60 months 7.49%*
Recreational Vehicles: Boat/Camper
(Purchase only, no cash out)
Loan Type Terms (Months) Interest Rate1
New - Used 2009 Year Model up to 60 months 4.99%*
(Minimum Loan of $10,000) 61 - 96 months 5.49%*
(Minimum Loan of $20,000) 97 - 120 months 5.99%*
(Minimum loan of $30,000) 121 - 144 months 6.49%*
ATV, Dirt Bike, Jet Ski, Mowers, Tractors:
Loan Type Terms (Months) Interest Rate1
New - Used 2009 Year Model 48 months or less 6.25%*
  49-60 months 6.49%*
  61 - 72 months 7.49%*
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
Fixed As low as 9.9%
Mortgages
Second Mortgages, Home Equity Lines, Vacant Land, Contact us for Information.

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 pay membership fee ($10) outside of loan. Please speak with a Loan Officer for details.

ASK US ABOUT REFINANCING YOUR VEHICLE TODAY!