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Auto Loans

We can make that dream vehicle more affordable and within your reach.

If you have your eye on a new car, found a great deal on a used vehicle or want to refinance a higher-rate loan from another financial institution, our loans can help you fit comfortably in the driver's seat. 

Our loans offer:
  • Low fixed rates: same rate applies for new or used vehicles, if age is 2009 or newer
  • Up to 100% financing
  • Flexible terms up to 84 months for some vehicle purchases based on year and dollar amount
  • The ability to leverage any equity in your vehicle to pay off higher-rate debt elsewhere at the rate of your auto loan
    • This option is perfect to simplify your debt into a single low rate payment and is available even if your car is paid off
    • Not sure of your car's value? Check Kelly Blue Book or Edmunds


Auto Loan
Effective Date: Tuesday, January 24th, 2017
YearFixed APR As Low AsTermLoan TypeMinimum or Maximum
2015-2017 2.24% 60 Months New Auto  
2015-2017 1.99% 24 Months New Auto  
2015-2017 2.24% 72 Months New Auto  
2015-2017 3.24% 84 Months New $35,000 Min
2010-2015 2.24% up to 60 Months Used Auto  
2010-2014 3.24% 72 Months Used Auto $25,000 Min
2009 and older 5.49% 48 Months Used Auto $20,000 Max
Classic Cars 10.00% 60 Months 20 years & older  

APR = Annual Percentage Rate

Rate and term may vary based on credit score.

How to Apply 

Whether you're interested in purchasing or refinancing your auto loan, you can get the process started by applying online today.

Apply Online


Our Members Are Getting
Financially Fit

I truly appreciate LOC! I recently refinanced my vehicle loan and saved $100 a month. Low rates and great personal service are few of the many perks of being an LOC member.

Melissa and LOCFinancially Fit Together ℠

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Payment Protection

Want to fully cover your loan in the event of job or collateral loss?  Check out these options.

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Toll Free: 800.837.4562

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