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| Your
credit union has money to lend for any good purpose. It's money that
you and your fellow members have saved together. And it's available
to members like you at low rates.
That's one of the founding principles behind credit unions like La
Cap. |
Vehicle
Financing
Can La Cap save me money? You bet! Whether you're thinking about buying
an auto, van, truck, boat, motorcycle, all-terrain vehicle, jet ski or
a tractor - new or used, La Cap can help. Once you see our low interest
rates, use our free pricing information, and read about the many other
benefits of a La Cap Vehicle Loan, you'll know we're serious about saving
you money. Financing your new or used vehicle through La Cap can make
a great deal even better. Here's how La Cap can help:
- Low Rates
- whether you're buying new, used, program or demo, La Cap always has
competitive rates without the
"catches" and hidden surprises you find elsewhere. Based on your overall
credit performance, we work with you to qualify you for our best possible
rates.
 Loan
Preapproval - apply online
or by phone 24/7 with one of our
friendly Personal Assistance Line
specialists. La Cap can preapprove your loan request, so you can shop
with confidence and be ready to make an offer to any dealership.- 100% Financing
- means
you don't need to make a down payment if you're a qualified, creditworthy
La Cap member. Your credit union can back you all the way, possibly
financing every nickel of your deal, including tax, title, license,
processing fees and warranty.
- Automatic Payments
- it's one less check to write, one less stamp to lick. Let part
of your Payroll Deduction or Direct Deposit amount go straight to your
La Cap auto loan every payday if you like.
 Special
Offer! La Cap offers new car rates on low mileage used cars from Enterprise
Car Sales. Click
here for more information.
"Second
Chance" Refinancing
Buying a vehicle these days can be, and sometimes is, an impulse purchase.
Instant credit approval and high pressure sales tactics have made it that
way. But when the excitement subsides, you may find you didn't get the
best financing deal.
It's not often you get a second chance, but here's one you can get: La
Cap's Second Chance Refinancing at new
vehicle rates. With it, up to 100% of the balance owed (including
any prepayment penalties) can be paid to lenders other than La Cap.
E-mail us
with the details of your financing agreement, or simply call our Personal
Assistance Line and we'll determine if we can offer you a lowered
payment or save you interest dollars.
- Available on an
auto, van, truck, boat, motorcycle, ATV, jet ski, tractor, motor home,
travel trailer or pop-up camper.
Auto
Pricing Service
If you're about to spend thousands of dollars on a new car, truck or van,
Chrome
Carbook, a FREE pricing service from La Cap, is a resource
you should not overlook. In addition to pricing information, view pictures
of vehicles and learn the details of their standard features and options.
After you narrow down
your choices, do a complete configuration on the vehicle showing base
and options pricing. Or, if you're still not quite sure, do a side-by-side
comparison of two vehicles. Our auto
loan calculator can be used to easily estimate monthly payment.
Now,
you're ready to "lock in" your financing, so you can go shopping
to find the vehicle you've designed on screen. Apply online
or call our Personal Assistance Line
24/7 to make your loan request by phone. It only takes a few minutes.
For complete details on La Cap’s Total Auto Loan Package, you can
request our “Car Buyer’s Advantage Kit” be mailed to you.
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Vehicle
Service Agreement
A vehicle service
agreement can be included in your auto loan. The cost for this protection,
when obtained through your credit union, is usually 40-50% lower than
similar plans sold by auto dealers at the time of your vehicle purchase.
There are a variety of plans you can choose from and they can be purchased
at the time you sign the paperwork for your vehicle loan. A low cost vehicle
service agreement is one more good reason to see La Cap for your next
new or used auto purchase.
Auto Loan Gap Insurance
Have you ever experienced
that sinking feeling after an auto accident when you realize that you
owe more on your car than what it is worth? It could happen to you. In
the event that your vehicle is stolen, accidentally damaged beyond repair,
or otherwise declared a total loss, your insurance company pays the actual
cash value of the vehicle at the time of loss. But would that value be
enough to cover the amount you still owe on your loan? If you borrowed
an amount close to the cost of the auto, or if you financed it for a long
term, you could find yourself in the situation of not having enough money
from the insurance settlement to pay off your loan.
Don't find yourself making payments on a wrecked car. Protect yourself
with Gap Insurance from La Cap that will help you pay the difference between
what you owe and the amount your insurance company pays. Gap Insurance
provides:
- All risk protection
for new and used vehicles that are financed through La Cap.
- Protection for
the term of your loan, up to 72 months.
- Protection to vehicles
valued up to $100,000 at time of purchase.
- Benefits paid up
to $50,000.
- Payment of your
deductible, up to $1,000.
All this for a ONE
TIME fee of $175 for auto and light trucks; $200 for ATV, jet ski, and
motorcycles; and $205 for boats.
GAP must be purchased
within 30 days of your loan.
For your peace of mind, call our Personal
Assistance Line and ask about Gap Insurance.
Recreational
Vehicle Loans
Ready to hit the road in a new motor home or travel trailer? La Cap wants
to help with low-cost financing
whether it's new or used.
Up to 100% financing
available! If you've been dreaming of adding a recreational vehicle to
your life, La Cap is here to help make your dream a reality.
Apply
online or call our Personal
Assistance Line 24/7 to make your request for a Recreational Vehicle
type loan.
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