Loan Rates

Let our loan officers save you time and money! Since rates change frequently, should youqualify for a better advertised offer than ours, which seldomly occurs, our loan officers will strive to 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 upfront that you want Lanier Federal Credit Union to handle your financing! What have you got to lose, it's just money, right?

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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

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

SECOND CHANCE AUTO LOANS

As of 06/30/2017**

Loan Type Terms (Months) Interest Rate¹
New Autos: Purchase/Refinance (add .5% for cash out)
New to 2012 year model 36 months or less
37-48 months
1.99%*
2.25%*
Max 100k miles for > 60 months 49 - 60 months
61 - 72 months
2.49%*
2.99%*
Minimum loan amount $25k 73 - 84 months 3.99%*
2011 to 2007 year model
Max 100k miles for > 48 months
36 months or less
37 - 48 months
49 - 60 months

2.99%*
3.49%*
3.75%*

2006 & Older Model Year
Max 100,000 Miles for > 36 months
Max mileage any vehicle 150k*
25 - 36 months
37 - 48 months
5.49%
5.99%
New Motorcycles: Purchase/Refinance
  48 months or less
49 - 60 months
61 - 72 months
4.75%*
4.99%*
5.99%*
Used Motorcycles: (add 1% for cash out)
Used to 2007 year model Up to 36 months
37 - 48 months
49 - 60 months
5.75%*
5.99%*
6.49%*

Recreational Vehicles: New Boat/Camper 
(Purchase only, no cash out) (Min. 10% Down Payment Required)

  up to 60 months
61 - 96 months
97 - 120 months
4.49%*
4.99%*
5.49%*
Recreational Vehicles: Used Boat/Camper
Used to 2007 year model Same Add 1% to new rate*
ATV, Dirt Bike, Jet Ski, Mowers, Tractors:
New 49 - 60 months 6.99%*
  48 months or less 6.25%*
Used 37 - 48 months 7.99%*
  36 months or less 7.25%*
Signature
  up to 60 months 10.99%*
Student Loans Click for details  
Share / CD Secured
  Up to 24 months
25 - 48 months
49 - 72 months
73 - 84 months
Dividend rate + 2%
Dividend rate + 2.5%
Dividend rate + 3%
Dividend rate + 4%
Overdraft Protection
  Variable 18.00%*
MasterCard
  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!