GET YOUR LOAN. BUY WITH CONFIDENCE. DRIVE HAPPY.
Getting a car loan from the dealership can feel frustrating when you want to buy a new car. But it doesn't have to be that way.
Our trusted auto loan experts protect you from car dealership financing tricks that can cost you thousands of dollars.
ENJOY EXTRA DISCOUNTS
Get an extra .50% off of your auto loan rate when you setup direct deposit to your Louisiana FCU checking account.
Get an additional .25% auto loan rate discount for members that have financed a vehicle with us in the past or have a credit card or signature loan with Louisiana FCU.
FOUR SIMPLE STEPS TO HELP YOU GET THERE.
WE PROMISE TO MAKE BUYING A NEW CAR QUICK AND EASY.
"Within 10 minutes of completing an auto loan application, a loan specialist called and told me I was approved. Three hours later I went home with a 2014 Chevy Sonic that I named 'Sapphire'. From that day on, I believed Louisiana FCU didn’t place limits on their members. So as a member, I won't put limitations on how much they would go above and beyond to keep their members happy."
- Antoinette M. MEMBER SINCE 2009
STEP 1: COMPARE AUTO RATES.
Rates effective as of 6:50 A.M. CT, May 22, 2023
Rates subject to change without notice.
STEP 2: RESEARCH VEHICLE VALUE AND CALCULATE YOUR AUTO LOAN PAYMENT.
STEP 3: APPLY TO GET PRE-APPROVED AND SAVE MONEY.
KNOW YOUR CAR'S VALUE
Check J.D. Power for car prices so you can decide what is a fair price to pay for the vehicle. Very few vehicles actually sell for MSRP (Manufacturer’s Suggested Retail Price or “sticker price.”) Negotiate a sales price from the invoice price up - not down from the MSRP. Taxes, registration, and transportation costs are not included in MSRP.
TAKE THE REBATE
Sometimes buyers have the option of choosing between rebates or zero percent financing – but not both. In most cases, you are better off taking the rebate rather than zero percent interest. Losing out on the rebate means you pay more for the car – more than if you would have taken the rebate and financed at a low rate. We can guide you through both options and help you decide what would be best for you.
PROTECT YOUR INVESTMENT TO FIND PEACE OF MIND.
Debt Protection is your umbrella when the unexpected happens. Whether you are facing, injury, job loss, or loss of life, you are protected.
Mechanical Repair Coverage (MRC) helps protect against the cost and inconvenience of breakdowns.
Guaranteed Asset Protection (GAP) pays the vehicle's cost not covered by primary insurance when it is totaled or stolen.
* APR = Annual Percentage Rate
Rates above include direct deposit, return business, and multi-product discounts.
All loan rates are based on credit history. All loan rates are subject to change. Not all members and/or vehicles are eligible for 72 or 84 month financing.
Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, or of MEMBER’S CHOICETM Guaranteed Asset Protection (GAP), is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the GAP Waiver Agreement for a full explanation of the terms of GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP. You may cancel the protection at any time. If you cancel GAP protection within 90 days you will receive a full refund of any fee paid. You will receive additional information before you are required to pay the fee for this product. Route 66 Extended Warranty’s Mechanical Breakdown Protection is an optional mechanical coverage that is not required as part of any loan agreement. The coverage is administered by Route 66 Extended Warranty P.O. Box 1075, Mountain Home, AR 72654-1075, 1-800-808-0828.