Credit Union auto 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.
Use our calculator tool to help determine how much your loan payments will be.
New Vehicles
100% financing is available, or get a lower rate by making a 20% down payment. You can also finance tax, license and Credit Union Mechanical Repair Coverage 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.
- Competitive rates
To apply, please fill out a New Vehicle Loan application. Once you have completed your loan application, please mail, fax or bring in a copy of your most recent paystub.
Used Vehicles
100% financing is available, or get a lower rate by making a 20% down payment.
- Terms up to 84 months for loans over $25,000, and up to 72 months for loans of $25,000 or less.
- Financing is available for up to 100% of low Karpower Value.
- Same rate for dealer and private party financing
- Competitive rates
To apply, please fill out a Used Vehicle Loan application. Once you have completed your loan application, please mail, fax or bring in a copy of your most recent paystub.
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 Karpower Value.
- Refinancing terms are based on the remaining loan balance.
- Minimum amount for refinanced loans is $3,000.
- Refinancing is for vehicles in California only.
- Competitive rates
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? 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, complete a Used Vehicle loan application. Under Loan Purpose, indicate "Auto Refinance," and complete all the sections. Be sure to fill in a phone number where we can reach you if we need additional information to process your loan.
Once you have completed your loan application, please mail, fax, or bring in a copy of your most recent paystub and 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. Please allow 3 business days for processing (although it may take longer without a statement from your current lender).
Car title loans are an option for those who have paid off their auto loans, but need cash now. Having trouble getting credit? If your vehicle is paid off, you may be able to qualify for a car title loan based on the value of your vehicle.
To apply for a car title loan, complete the Used Vehicle loan application and note 'car title loan' in the notes section. Once you have completed your loan application, please mail or fax a copy of your most recent paystub
See rates and payment examples
For personalized assistance and more information, call the Credit Union at (323) 505-2600.
- Lending Manager: 323-505-2600 x111
- Fax: 323-505-2613 Attn: Loan Dept.
- Mailing address:
Cal State L.A. Federal Credit Union
Loan Dept.
2445 Mariondale Ave.
Los Angeles CA 90032
All loans on approved credit, and all rates, terms, programs and conditions subject to change without notice. For available rates, terms, and payment examples, please see the Loan rates page.
