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Unhappy With Your Vehicle Loan Elsewhere?

We can usually reduce your interest rate and payment with a low rate Credit Union vehicle loan.

Take a break from payments! When you refinance with LMFCU you can delay your first payment for up to 90-days*.

Purchase and refinance loans are available.

Loan Interest Saved For
Each 1% Reduction in Rate
 Loan Amount  5 Year  6 Year
 $25,000  $682  $828
 $40,000  $1,091  $1,325
 $60,000  $1,660  $2,020

Low rates available on both new and used vehicle loans.  

  • Rates as low as 1.99% APR* for 2019, 2020 & 2021 models
  • Rates as low as 2.24% APR* for 2015 to 2018 models
  • Rates as low as 3.24% APR* for 2012 to 2014 models
  • 100% financing, terms up to 7-years available*
  • Finance back through the 2008 model year*

Need to take a break from payments? You can skip a payment once a year in the future. Restrictions apply.

Guaranteed Auto Protection
GAP eliminates the out-of-pocket expenses you would incur to payoff your loan should your vehicle be stolen or totaled. Our GAP fee is only $399.

Extended Warranties
Our extended warranty costs are typically lower than the dealers and typically provide the same or better coverage! There are no deductibles and you may take your vehicle to any licensed mechanic. 

Current Loan Rates

Information About Refinancing Your Loan

Rates quoted assume a FICO score of 730+. Refinances of existing LMFCU loans are not eligible.
APR = Annual Percentage Rate.

* 90-day deferral is subject to credit approval. Minimum loan of $10,000 required. Available on 2014 or newer models. Minimum credit scores and other restrictions apply.