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.
Multi Product Discount.

MULTI-PRODUCT DISCOUNT

Get an additional .25% auto loan rate discount for members that have financed a vehicle with us in the past, have a current auto loan, credit card, signature loan, or mortgage with Louisiana FCU.

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. PROTECT

Buying a new 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 1:04 P.M. CT February 6, 2024

Rates subject to change without notice.

RATES
AS LOW AS
5.24% 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.

Debt Protection is your umbrella when the unexpected happens. Whether you are facing, injury, job loss, or loss of life, you are protected.
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.
LEARN MORE ABOUT DEBT PROTECTION.

STILL HAVE QUESTIONS ABOUT GETTING A LOAN TO BUY YOUR USED CAR?
REQUEST A CALL BACK.

* APR = Annual Percentage Rate

Rates above include all eligible discounts. All loan rates based on credit history and are subject to change. Not all members and/or vehicles are eligible for 72 or 84 month financing. 84 monthly payments of $16.28 borrowed at 9.24%.

Your purchase of MEMBER’S CHOICE Debt Protection products or MEMBER’S CHOICE 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.