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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 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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  • 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 1/01/2024

New Autos: Purchase/Refinance (add .5% for cash out)
Loan Type Terms (Months) Interest Rate1

New - 2022 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

4.99%*
5.25%*                                                5.49%*                                              5.99%*                                         

6.99%*

2021 to 2019 Year Model
(Max 150k miles)
(Max 85k miles)                                    (Max  75k miles)

36 months or less
37 - 48 months
49 - 60 months                                        61 - 72 months                                  

5.99%*
6.25%*
6.49%*                                                    6.99%*

2018 - 2014 Year Model
(Max 125k Miles)
(Max 85k Miles)                           

36 months or less
37 - 48 months                                    49 - 60 months

6.25%*
7.25%*                                              8.25%*
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 - 2014 Year Model Up to 36 months 7.49%*
  37 - 48 months 7.75%*
  49 - 60 months 8.49%*
Boat   (No Cash Out)
(No cash out)
Loan Type Terms (Months) Interest Rate1
New - Used 2014 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 2014 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, Tractors:
Loan Type Terms (Months) Interest Rate1
New - Used 2014 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!