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Three Months No Payments

Special Offer from LOC

Defer Your Payments for the First Three Months !

Whether you’re in the market for a new car, boat or RV, LOC offers great, low-rate financing to fit within your budget. Now is the time to shop and take advantage of a limited time offer*. Finance a new loan with us by 2/29/20 and you can defer your payments for the first three months on your loan! Use that extra cash to pay off some high-interest rate debt from the holiday season before that first payment kicks in, take a vacation or help with other bills. Our flexible terms and low-rates will have you sitting in the driver’s seat of your new vehicle in no time!

If you are unsure how much your budget can afford, check with us before you start shopping. Apply online today and we’ll provide you with a pre-approval so you know how much you can afford to spend. You can also schedule an appointment to meet with one of our Financial Success Specialists who can help get you setup.

*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 2/29/20.

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Auto Loan Rates

Auto Loan
Effective Date: Friday, January 24th, 2020
YearFixed APR As Low AsTermLoan TypeMinimum or Maximum
2018-2020 2.99% up to 60 Months New Auto  
2018-2020 3.49% up to 72 Months New Auto $15,000 Min
2018-2020 4.24% up to 84 Months New Auto $35,000 Min
2014-2017 3.49% up to 60 Months Used Auto  
2014-2017 3.99% up to 72 Months Used Auto $15,000 Min
2014-2017 4.74% Up to 84 Months Used Auto $35,000 Min
2013 & Older 5.24% up to 48 Months Used Auto  
2013 & 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.

Boat & RV Loan Rates

Boat & Large RV Loan
Effective Date: Friday, January 24th, 2020
Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters)
Loan TypeAgeMinimum or MaximumFixed APR As Low AsTerm
New/Used Boat or RV 2016-2020   4.24% Up to 60 Months
New/Used Boat or RV 2016-2020 $10,000 Min 4.24% Up to 84 Months
New/Used Boat or RV 2016-2020 $20,000 Min 4.49% Up to 120 Months
New/Used Boat or RV 2016-2020 $25,000 Min 4.74% Up to 144 months
New/Used Boat or RV 2016-2020 $35,000 Min 4.99% Up to 180 months
Used Boat or RV 2011-2015   4.49% Up to 60 Months
Used Boat or RV 2011-2015 $10,000 Min 4.74% Up to 84 Months
Used Boat or RV 2011-2015 $20,000 Min 4.99% Up to 120 months
Used Boat or RV 2011-2015 $25,000 Min 5.24% Up to 144 months
Used Boat or RV 2011-2015 $35,000 Min 5.49% Up to 180 months
Used Boat or RV 2010 & Older   6.49% Up to 60 Months
Used Boat or RV 2010 & Older $10,000 Min 6.49% Up to 84 Months
Used Boat or RV 2010 & Older $20,000 Min 6.99% Up to 120 months
Used Boat or RV 2010 & Older $25,000 Min 6.99% Up to 144 months
Used Boat or RV 2010 & Older $35,000 Min 7.24% Up to 180 months

Example: A loan amount of $50,000 with a rate as low as 4.49% for 60 months would have an approximate monthly payment of $931.92. 

APR = Annual Percentage Rate

Rate and term may vary based on credit score.

Payment Protection

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

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Call/Text Us: 800.837.4562

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