Auto Loans

   

We'll Get You There

At La Capitol, we'll always give you the best auto loan rate you qualify for — not the highest rate you'll accept. That means if you find your dream car and give us a monthly budget, we’ll find a rate that gets you there.

Even if you think you have a good rate, odds are our auto loan rates will be better. Which is why auto refinancing through La Cap is a popular option. Either way, opt for direct lending from a financial institution you can trust.

Explore our Extended Warranty, or visit our Auto Center for even more helpful information. We can even help you find auto insurance through TruStage.

If you're still looking for the right car, visit Enterprise Car Sales or view our repos. We can also help you protect your purchase with Guaranteed Asset Protection (GAP).

Apply for New Auto Loan
2017 and newer year models

Apply for Used Auto Loan
2016 and older year models

Man holding keys

Enterprise Car Sales

  • Today's Auto Loan Rates

    New Vehicle - 2017 and Newer Model Years

    Auto, Van, Truck and Program Car3 02/19/2020

    Term (up to) APR As Low As4
    1 to 36 Months 2.99%
    37 to 48 Months 2.99%
    49 to 60 Months 3.19%
    61 to 66 Months1 3.19%
    67 to 75 Months1 3.19%
    76 to 78 Months2 3.54%
    79 to 84 Months2 4.34%

    1 Available on amounts $15,000 & above. Certain conditions apply.

    2 Available on amounts $30,000 & above. Certain conditions apply.

    3 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

    4 Rate may increase subject to final Loan to Value (LTV). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge.

     

    Used Vehicle - 2016 and Older Model Years

    Auto, Van and Truck1 02/19/2020

      2013-2016 Model Years 2012 and Older Model Years
    Term (up to) APR As Low As4 APR As Low As4
    1 to 36 Months 3.99%2 4.99% 3
    37 to 48 Months 3.99%2 4.99% 3
    49 to 60 Months 4.19%2 5.19% 3
    61 to 66 Months 4.19%2 5.19% 3
    67 to 75 Months 4.19%2 ---

    1 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

    2 Available on amounts $15,000 & above. Certain conditions apply.

    3 Available on amounts $7,500 & above. Certain conditions apply.

    4 Rate may increase subject to final Loan to Value (LTV).

  • Auto Loan Calculator
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Guaranteed Asset Protection

Due to depreciation, it is possible that there will be a time when you realize that you owe more on your car than what it is worth. If you were to get in an accident when you owe more than the worth of your car, you could find yourself in a difficult situation, such as owing damages or suffering a total loss.

GAP Plus from La Cap will help cancel the difference between what you owe and the amount your insurance company pays, sometimes paying off the balance. Cost is a one-time fee of $600 for autos; $600 for ATV, jet skis and motorcycles; $600 for boats; and $600 for RVs. GAP Plus can be financed with your vehicle loan at the time of purchase or added anytime during the life of the loan. A 90-day trial is available.

GAP Plus Provides...

  • All risk protection for new and used vehicles financed through La Cap.
  • Protection for the term of your loan, up to 84 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.
  • $1,000 toward the purchase of a new vehicle if you finance your new vehicle purchase through La Cap within 6 months of your primary insurance paying the claim.

Your purchase of MEMBER’S CHOICETM Guaranteed Asset Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER’S CHOICE Guaranteed Asset Protection (GAP). If you choose GAP, adding the product fee to your loan amount will increase the total cost of your loan.