Loan Rates
Let our loan officers save you time and money! Since rates change frequently, should you qualify 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 up front that you want Lanier Federal Credit Union to handle your financing!
Apply Now
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UP TO 120% MSRP/NADA RETAIL FOR QUALIFIED MEMBERS
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REFINANCE YOUR VEHICLE TO REDUCE YOUR PAYMENTS
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SERVICE CONTRACTS AVAILABLE
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GAP COVERAGE AVAILABLE
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PAYMENT PROTECTION AVAILABLE
Second Chance Auto Loans. We can help! Ask a loan officer for details.
SECOND CHANCE AUTO LOANS
As of 03/31/18**
|
Loan Type |
Terms (Months) |
Interest Rate¹ |
|
New Autos: Purchase/Refinance (add .5% for cash out) |
|
New to 2013 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%* |
2012 to 2008 year model
Max 100k miles for > 48 months |
36 months or less
37 - 48 months
49 - 60 months |
2.99%*
3.49%*
3.75%*
|
2007 & 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 2008 year model |
Up to 36 months
37 - 48 months
49 - 60 months |
5.75%*
5.99%*
6.49%* |
|
New Recreational Vehicles: Boat/Camper
|
|
|
up to 60 months
61 - 96 months
97 - 120 months |
4.49%*
4.99%*
5.49%* |
|
Used Recreational Vehicles: Boat/Camper |
|
Used to 2008 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!