Used car and truck loans with Louisiana FCU.

USED CAR AND TRUCK LOANS IN LOUISIANA

APPLY FOR YOUR USED AUTO LOAN.
Have a question? Request a call back.

Or you can call us at (985) 652-4990.

GET YOUR LOAN. BUY WITH CONFIDENCE. DRIVE HAPPY.

Getting a car loan from the dealership can feel frustrating when you want to buy a used car. But it doesn't have to be that way.
EXPERT GUIDANCE

EXPERT GUIDANCE

Our trusted auto loan experts protect you from car dealership financing tricks that can cost you thousands of dollars.

ENJOY EXTRA DISCOUNTS

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 discounts on hybrids.

DRIVE GREEN & SAVE

Save the planet and get a .25% auto loan rate discount for EPA-designated SmartWay or SmartWay Elite vehicle loans. 

FOUR SIMPLE STEPS TO HELP YOU GET THERE.

WE PROMISE TO MAKE BUYING A USED CAR QUICK AND EASY.
Step 1: Compare

1. COMPARE

We'll help you compare auto loan rates and payment terms and find the best fit for you.

Step 2: Research

2. RESEARCH

Know the used car's value and calculate your monthly auto loan payment.

Step: 3 Apply

3. APPLY

Get pre-approved and save more money when you shop with confidence.

Step 4: Insure

4. INSURE

Buying a used car is a big investment. We can help you protect it.

"The Louisiana Federal Credit Union has been my one stop shop. I received my Auto, Personal and School Loan opportunity in one place. They make everything easy and convenient."

 
- MELVIN C. MEMBER SINCE 1999

STEP 1: COMPARE AUTO RATES.

Rates effective as of January 3, 2019

Rates subject to change without notice.

48 MONTHS
AS LOW AS
2.49% APR*
60 MONTHS
AS LOW AS
2.49% APR*
72 MONTHS
AS LOW AS
3.49% APR*
84 MONTHS
AS LOW AS
4.49% APR*

Which auto loan option is best for you?

A shorter-term auto loan is recommended if you want to pay less in interest. This will help save you more money.

But if lower monthly payments are more important, a longer term auto loan might be better for you.

Not sure which option is right for you? We'll call you back.

STEP 2: RESEARCH VEHICLE VALUE AND CALCULATE YOUR AUTO LOAN PAYMENT.

Check the value of your used car and then calculate your monthly auto loan payment using the rates and terms above as a guide. It is helpful to remember the rate you may qualify for could be different depending on a variety of factors, including the term and your credit score.

1. RESEARCH USED CAR VALUES.
2. ESTIMATE YOUR CAR PAYMENT.

STEP 3: APPLY TO GET PRE-APPROVED AND SAVE MONEY.

KNOW YOUR CAR'S VALUE

KNOW YOUR CAR'S VALUE

Check NADA 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

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.

GET PRE-APPROVED

GET PRE-APPROVED

When you take ten minutes to get pre-approved for your auto loan, you will shop with confidence knowing you are getting the best deal with the lowest monthly payment possible.

APPLY NOW IN LESS THAN 10-MINUTES.

INSURE AND PROTECT YOUR INVESTMENT TO FIND PEACE OF MIND.

Get Credit Life insurance.

Credit Life Insurance helps cover the loan balance in the event of a borrower's death.

Get Credit Disability

Credit Disability Insurance helps cover loan payments if covered borrower becomes totally disabled.

Get Mechanical Repair Coverage (MRC)

Mechanical Repair Coverage (MRC) helps protect against the cost and inconvenience of breakdowns.

Get Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP) pays the vehicle's cost not covered by primary insurance when it is totaled or stolen.

STILL HAVE QUESTIONS ABOUT GETTING A LOAN TO BUY YOUR USED CAR?

REQUEST A CALL BACK.

* APR = Annual Percentage Rate

Rates above include direct deposit discount.

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. MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. CDCL, GAP, MRC-1197994.1-0515-0617