At La Capitol, we strive to get you the best auto loan* rate you qualify for – not the highest rate you'll accept. That means if you find your dream car, we’ll help to get you a payment that fits within your budget.
New Vehicle - 2023 and Newer Model Years
Auto, Van, Truck and Program Car
| New Vehicle - 2023 and Newer Model Years | Effective Date: 10/13/26 |
|---|---|
| Term (up to) | APR As Low As |
| 1 to 36 Months | 5.49% |
| 37 to 48 Months | 5.49% |
| 49 to 60 Months | 5.79% |
| 61 to 66 Months1 | 5.79% |
| 67 to 75 Months1 | 5.89% |
| 76 to 78 Months2 | 6.04% |
| 79 to 84 Months2 | 6.19% |
1Available on amounts $15,000 & above. Certain conditions apply.
2Available on amounts $30,000 & above on current and one year prior models. Certain conditions apply.
Used Vehicle - 2022 and Older Model Years
Auto, Van and Truck1
| Used Vehicle - 2022 and Older Model Years | Effective Date: 10/13/26 | |
|---|---|---|
| APR As Low As | APR As Low As | |
| Term (up to) | 2019-2022 Model Years | 2018 and Older Model Years |
| 1 to 36 Months | 6.49%2 | 8.49% |
| 37 to 48 Months | 6.49%2 | 8.49% |
| 49 to 60 Months | 6.79%2 | 8.79% |
| 61 to 66 Months | 6.79%2 | 8.79% |
| 67 to 75 Months | 6.89%2 | --- |
1Available on amounts $15,000 & above. Certain conditions apply.
2Available on amounts $7,500 & above. Certain conditions apply.
You Could Earn Membership Rewards
Learn MoreGuaranteed 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 $625 for autos; $625 for ATV, jet skis and motorcycles; $625 for boats; and $625 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.
- Protects up to $1,000 of your primary auto insurance deductible, where permitted by state law.
- $1,000 is waived from the loan or lease when the replacement vehicle is financed by our credit union within 120 days after member's primary insurance company issues a settlement check.
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.
Disclosures
* APR = Annual Percentage Rate. Membership is required and subject to approval. Membership requires $5.00 par balance in a primary savings account. Offer available to qualified creditworthy members. Vehicle Loans are subject to approval. New vehicle rates apply to model year 2023 and newer. Used vehicle rates apply to model year 2022 and older. Not everyone will qualify for the lowest rate available. Loan approval, rates, loan to value (LTV), and terms are based on certain credit criteria and worthiness. Model year, LTV, and adding payment protection may change the rate, payment, and term. Effective Date: 10/13/26
New Vehicle Payment Example: A loan amount of $25,000 for 67 months at 5.89% APR has an estimated monthly payment of $438.74. The minimum auto loan amount is $7,500. Interest will continue to incur with any deferment of payment(s) during the life of the loan and may result in an increased APR for the statement cycle(s) of the deferred payments. Other restrictions may apply. Contact a La Cap representative for details.
Used Vehicle Payment Example: A loan amount of $25,000 for 67 months at 6.89% APR has an estimated monthly payment of $450.54. Interest will continue to incur with any deferment of payment(s) during the life of the loan and may result in an increased APR for the statement cycle(s) of the deferred payments. Other restrictions may apply. Contact a La Cap representative for details.