Rates as low as 2.49% APR* on New, Used, and Refi auto loans. Whether you are buying from the dealer or a private party, you can get this low rate for up to 48 months with 80% financing. Longer term rates and 100% financing are available at very competitive rates.
Auto loans can be refinanced just like home loans, for a lower rate or payment! REFI your loan from another lender.
General Motors is offering all current and eligible credit union members preferred pricing when they purchase a new GM vehicle. This is in addition to most current incentives and special offers! Finance with your credit union and save even more with low auto loan rates! Visit the Love My Credit Union site to see available GM discounts.
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*APR = Annual Percentage Rate. Terms up to 48 months available at this rate, see more rates and terms here. Payment example for a loan of $13,000: 48 monthly payments of 284.84. This rate is available to members with excellent credit, individual rates vary based on credit history, creditworthiness and underwriting factors. Rate accurate as of 10/6/11. All loans on approved credit. All loan programs, offers, rates, terms and conditions subject to change at any time without notice. Please note that REFI rates are for refinances from other lenders.
Credit Union vehicle loan programs are among the best available anywhere! We can finance your new or used car, SUV, van, mini-van, light truck and more. We offer a variety of rates and terms to help more borrowers, not just those with perfect credit. Car shopping this weekend? Apply now and get pre-approved.
- 100% financing is available, including tax, license and Credit Union Mechanical Breakdown Insurance (MBI). Dealer extended warranty coverage can be financed on request.
- Terms up to 84 months for loans over $25,000, and up to 72 months for loans of $25,000 or less.
- Loan pre-approval available to give you a bargaining edge at the dealer.
- Payroll Deduction is available for automatic repayment.
- Or, schedule payment via Automatic Transfers from your Credit Union Checking Account.
For personalized assistance and more information, call the Loan Department at (323) 505-2600, Ext. 106.
- Financing is available for up to 100% of low Karpower/Kelley Blue Book Retail Value.
- Financing can include tax, license and Credit Union Mechanical Breakdown Insurance (MBI).
For personalized assistance and more information, call the Loan Department at (323) 505-2600, Ext. 106.
Just as homes are refinanced when interest rates drop, vehicle loans also can be refinanced. If you have a high-cost dealer loan… or if your credit has improved since you purchased your vehicle… it's worth taking a look to see if you can save money by refinancing at the Credit Union.
- Refinancing is available for up to 100% of low Kelley Blue Book Value.
- Refinancing terms are based on the remaining loan balance.
- Minimum amount for refinanced loans is $3,000.
- Financing can include tax, license and Credit Union Mechanical Breakdown Insurance.
- Refinancing is for vehicles in California only. Sorry, we can't refinance existing CSLA-FCU loans.
REFI Savings Really Add up!
If you purchased a $20,000 auto and financed it at 10% on a five-year term, your monthly payment would be about $425. If you refinanced your vehicle at the credit union a year later, perhaps with terms of 7.5%APR on a four-year loan, your monthly payment would be about $405, a $20 per month savings. That's a savings of $950 over the life of the loan! Is refinancing right for you? Just click to view our current rates, then compare your outside-lender's rate and payments to ours by using the loan calculator.
It's EASY to Arrange A REFI Loan
First, download a Vehicle REFI loan application. Under Loan Purpose, indicate "Vehicle Refinance," and complete all the easy sections. Be sure to fill in a phone number where we can reach you if we need additional information to process your loan. Please call the credit union for details.
Include a statement from your current lender, if possible. If you do not have a current loan statement, estimate how much you owe on your car. When the application has been completed, submit it to the Credit Union, along with your latest pay stub. Please allow 3 business days for processing (although it may take longer without a statement from your current lender).
For personalized assistance and more information, call the Loan Department at (323) 505-2600, Ext. 106.
Car Title Loans
When you need cash, and you own your vehicle, you may be able to borrow against its value. This is known as a car title or 'pink slip' loan. These loans allow you to receive a lower rate than you would for unsecured credit. Car title loan rates are the same as RV, Boat, Motorcycle and Watercraft loans.
Thinking of buying a vehicle designed for fun or recreation? The Credit Union offers financing for that! Ask about our great rates, flexible terms, and affordable financing. Recreational vehicle financing is available for:
- RVs and Motor Homes
- Boats
- Personal Watercraft
- ATVs
- Motorcycles
- Travel Trailers
For personalized assistance and more information, call the Loan Department at (323) 505-2600, Ext. 106.
All loans on approved credit. Offers are subject to change.
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*APR = Annual Percentage Rate. Terms up to 48 months available at this rate, see more rates and terms at www.calstatela-fcu.org. Payment example for a loan of $13,000: 48 monthly payments of 290.57. This rate is available to members with excellent credit, individual rates vary based on credit history, creditworthiness and underwriting factors. Rate accurate as of 4/27/11. All loans on approved credit. All loan programs, offers, rates, terms and conditions subject to change at any time without notice.
†Free hotel stay at selected hotels and locations, advance reservation required, guest is responsible for taxes. Hotel stays available while supplies last, to receive hotel certificate your auto loan of $3,000 or more must be approved and funded between 4/27 & 5/31/2011.
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