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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.

Get $50 Cash Back if you take a loan of $10,000+

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

Alert! We lowered rates again on December 28th.  

  • 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!

Current Loan Rates

Information About Refinancing Your Loan

*To qualify, application must be received by 6/30/2021; loan must be settled by 7/14/2021.
Rates quoted assume a FICO score of 730+. Refinances of existing LMFCU loans are not eligible.
APR = Annual Percentage Rate.
** Bonus is paid within 30-days of the loan disbursement date. The bonus will be added to the loan if the loan is paid off within 3-months.
*** 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.