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Three Months No Payments

Special Offer from LOC

Save Today With Our Latest Offer!

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 8/31/19 and you will have no payments for the first three months on your loan! Use that extra cash and take a vacation or pay off some high-interest rate debt before that first payment kicks in. 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 member advisors 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 8/31/19.

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Auto Loan Rates

Auto Loan
Effective Date: Thursday, July 18th, 2019
YearFixed APR As Low AsTermLoan TypeMinimum or Maximum
2017-2019 3.24% up to 60 Months New Auto  
2017-2019 3.74% up to 72 Months New Auto $15,000 Min
2017-2019 4.49% 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.

Boat & RV Loan Rates

Boat & Large RV Loan
Effective Date: Thursday, July 18th, 2019
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 2015-2019   4.24% Up to 60 Months
New/Used Boat or RV 2015-2019 $10,000 Min 4.24% Up to 84 Months
New/Used Boat or RV 2015-2019 $20,000 Min 4.49% Up to 120 Months
New/Used Boat or RV 2015-2019 $25,000 Min 4.74% Up to 144 months
New/Used Boat or RV 2015-2019 $35,000 Min 4.99% Up to 180 months
Used Boat or RV 2010-2014   4.49% Up to 60 Months
Used Boat or RV 2010-2014 $10,000 Min 4.74% Up to 84 Months
Used Boat or RV 2010-2014 $20,000 Min 4.99% Up to 120 months
Used Boat or RV 2010-2014 $25,000 Min 5.24% Up to 144 months
Used Boat or RV 2010-2014 $35,000 Min 5.49% Up to 180 months
Used Boat or RV 2009 & Older   6.49% Up to 60 Months
Used Boat or RV 2009 & Older $10,000 Min 6.49% Up to 84 Months
Used Boat or RV 2009 & Older $20,000 Min 6.99% Up to 120 months
Used Boat or RV 2009 & Older $25,000 Min 6.99% Up to 144 months
Used Boat or RV 2009 & 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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