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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: Saturday, May 27th, 2017
YearFixed APR As Low AsTermLoan TypeMinimum or Maximum
2016-2017 1.99% up to 60 Months New Auto  
2016-2017 2.24% up to 72 Months New Auto  
2016-2017 3.24% up to 84 Months New Auto $35,000 Min
2011-2016 1.99% up to 60 Months Used Auto  
2011-2016 2.49% up to 72 Months Used Auto $25,000 Min
2010 and older 5.49% up to 48 Months Used Auto $20,000 Max
Classic Cars 10.00% up to 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

Auto Buying


Our Members Are Getting
Financially Fit

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 LOCFinancially Fit Together ℠

More Stories
Payment Protection

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

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Contact Us

Toll Free: 800.837.4562

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