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New & Used 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 low-rate auto loans can help you fit comfortably in the driver's seat. We have some of the best auto loan interest rates around. Preapproved auto loans are available for those who qualify so you know how much you can afford to spend before you start shopping.

Our auto loans offer:
  • Low fixed rates on new and used autos
  • 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

*Available for secured loans only, excludes home equity. Subject to qualified credit. Interest will accrue during the three month no payment period, starting the date the loan is funded. This offer is good through 8/31/19.

Auto Loan Interest Rates

Auto Loan
Effective Date: Tuesday, October 22nd, 2019
YearFixed APR As Low AsTermLoan TypeMinimum or Maximum
2017-2019 2.99% up to 60 Months New Auto  
2017-2019 3.49% up to 72 Months New Auto $15,000 Min
2017-2019 4.24% up to 84 Months New Auto $35,000 Min
2013-2016 3.49% up to 60 Months Used Auto  
2013-2016 3.99% up to 72 Months Used Auto $15,000 Min
2013-2016 4.74% Up to 84 Months Used Auto $35,000 Min
2012 & Older 5.24% up to 48 Months Used Auto  
2012 & Older 5.24% Up to 60 Months Used Auto $15,000 Min

Example: A loan amount of $25,000 with a rate as low as 3.24% for 60 months would have an approximate monthly payment of $452.14. 

APR = Annual Percentage Rate

Rate and term may vary based on credit score.

How to Apply for an Auto Loan 

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

Apply Online

Auto Buying


Their Dreams. Our Ideas.

My experience with Crystal at the Howell branch was fantastic. She was very professional, informative and efficient. My needs were addressed and I am saving $200 per month by refinancing my truck. Over the course of the loan, LOC will be saving me over $9,000. I will be a member for life.

Jeremy and LOC

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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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