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Consumer Loans

Loans are available to qualified and creditworthy La Cap members. The actual Annual Percentage Rate (APR) on your loan will be quoted to you based upon a review of your overall credit performance. Other special conditions may apply. APR's quoted are subject to change without notice. Actual length of repayment term is subject to approval by La Cap.

New Vehicles - 2008 and Newer Models
Auto, Van, Truck, Program Car, Motorcycle, and Tractor

Term APR As Low As

1 to 36 Months 3.90%

37 to 48 Months 4.75%

49 to 60 Months 4.90%

61 to 72 Months* 5.40%

Rates shown here include: a .25% discount for the use of AutoPay**, our automatic repayment option,a .10% discount for satisfactory service relationships with La Cap (ask for details), and a .25% discount for satisfactory checking account relationships with La Cap.

Full payoff available - up to 100% of balance owed (including any penalties) can be paid to lenders other than La Cap. Amount of loan should not exceed NADA value.

Get an Even Lower Rate with These Discounts!
.25% discount if downpayment of 30% or more is made.
.10% discount for accepting credit disability insurance (joint or individual)
.10% discount for accepting credit life insurance (joint or individual)
.25% discount for accepting both credit disability and credit life insurance (joint or individual)

100% financing available (including tax and license fees).
* Available on amounts over $15,000. Certain conditions apply.
**For more information on AutoPay, call our Personal Assistance Line at 800.522.2748 or 225.342.5055.

Second Chance Refinance - 2008 and Newer Models
Auto, Van, Truck, Motorcycle, and Tractor

Term APR As Low As

1 to 36 Months 3.90%

37 to 48 Months 4.75%

49 to 60 Months 4.90%

61 to 72 Months* 5.40%

Rates shown here include: a .25% discount for the use of AutoPay**, our automatic repayment option,a .10% discount for satisfactory service relationships with La Cap (ask for details), and a .25% discount for satisfactory checking account relationships with La Cap.

Full payoff available - up to 100% of balance owed (including any penalties) can be paid to lenders other than La Cap. Amount of loan should not exceed NADA value.
Get an Even Lower Rate with These Discounts!
.10% discount for accepting credit disability insurance (joint or individual)
.10% discount for accepting credit life insurance (joint or individual)
.25% discount for accepting both credit disability and credit life insurance (joint or individual)
* Available on amounts over $15,000. Certain conditions apply.
**For more information on AutoPay, call our Personal Assistance Line at 800.522.2748 or 225.342.5055.

Used Vehicles - 2003 to 2007 Models
Auto, Van, Truck, Motorcycle, and Tractor

Term APR As Low As

1 to 36 Months 4.90%

37 to 48 Months 5.35%

49 to 60 Months 5.50%

61 to 72 Months* 6.00%

Rates shown here include: a .25% discount for the use of AutoPay**, our automatic repayment option,a .10% discount for satisfactory service relationships with La Cap (ask for details), and a .25% discount for satisfactory checking account relationships with La Cap.
Get an Even Lower Rate with These Discounts!
.25% discount if downpayment of 30% or more is made.
.10% discount for accepting credit disability insurance (joint or individual)
.10% discount for accepting credit life insurance (joint or individual)
.25% discount for accepting both credit disability and credit life insurance (joint or individual)

* Available on amounts over $15,000. Certain conditions apply.

* If the vehicle has more than 75,000 miles, there will be a 2% surcharge added to the interest rate.
**For more information on AutoPay, call our Personal Assistance Line at 800.522.2748 or 225.342.5055.

Last updated 3/20/09
Rates as of 3/23/09