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 Warranties, or visit our Auto Center for even more helpful information.

If you're still looking for the right car, visit Enterprise Car Sales.

Apply for Auto Loan

Man holding keys

  • Today's Auto Loan Rates

    New Vehicle - 2016 and Newer Model Years

    Auto, Van, Truck and Program Car3 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 2.69%
    37 to 48 Months 2.69%
    49 to 60 Months 2.94%
    61 to 66 Months1 2.94%
    67 to 75 Months1 3.19%
    76 to 78 Months2 3.19%
    79 to 84 Months2 4.49%

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

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

    3 Interest rate discount available for Credit Life (0.10%), Credit Disability (0.10%), or both Credit Life and Credit Disability (0.25%). Lowest possible rate after discount is 2.44% APR for 48 month term. Other rates available for different terms.

    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 - 2012 to 2015 Model Years

    Auto, Van and Truck3 6.19.18

    Term (up to) APR As Low As4
    1 to 36 Months 3.74%
    37 to 48 Months 3.74%
    49 to 60 Months 3.99%
    61 to 66 Months 3.99%
    67 to 75 Months 4.24%

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

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

    3 Interest rate discount available for Credit Life (0.10%), Credit Disability (0.10%), or both Credit Life and Credit Disability (0.25%). Lowest possible rate after discount is 3.49% APR for 48 month term. Other rates available for different terms.

    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.

  • Auto Loan Calculator
    Print page

Auto Refinancing

Stuck with a bad rate on an existing auto loan? Lower your payments by refinancing with us! If you refinance your vehicle loan with us, we’ll give you up to $100*.

Apply for New Auto Refinance  Apply for Used Auto Refinance

  • Today's Auto Refinance Rates

    Second Chance Refinance - 2016 and Newer Model Years

    Auto, Van, Truck3 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 2.69%
    37 to 48 Months 2.69%
    49 to 60 Months 2.94%
    61 to 66 Months1 2.94%
    67 to 75 Months1 3.19%
    76 to 78 Months2 3.19%
    79 to 84 Months2 4.49%

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

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

    3 Interest rate discount available for Credit Life (0.10%), Credit Disability (0.10%), or both Credit Life and Credit Disability (0.25%). Lowest possible rate after discount is 2.44% APR for 48 month term. Other rates available for different terms.

    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.

     

    Second Chance Refinance - 2012-2015 Model Years

    Auto, Van, Truck3 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 3.74%
    37 to 48 Months 3.74%
    49 to 60 Months 3.99%
    61 to 66 Months1 3.99%
    67 to 75 Months1 4.24%

    1 Interest rate discount available for Credit Life (0.10%), Credit Disability (0.10%), or both Credit Life and Credit Disability (0.25%). Lowest possible rate after discount is 3.49% APR for 48 month term. Other rates available for different terms.

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

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

    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.

    *The actual rate for which you qualify will be based on your credit history, loan amount & the term of your loan. Eligible members may elect to defer payment for up to 90 days (some restrictions apply). Interest continues to accrue during deferment period. Rate may increase subject to final Loan to Value (LTV). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge. Interest rate discount available for Credit Life (0.10%), Credit Disability (0.10%), or both Credit Life and Credit Disability (0.25%). Lowest possible rate after discount is 3.49% APR for 48 month term. Other rates available for different terms. Up to $100 incentive offer is valid for transferred vehicle loans currently with other financial institutions and does not apply to vehicles currently financed through La Capitol Federal Credit Union. Only balances of $7,500 or above qualify for a cash incentive under this offer: $50 for vehicle loans with a balance of $7,500 up to $11,999.99; $75 for vehicle loans with a balance of $12,000 up to $17,999.99; and $100 for loans with a balance of $18,000 or more. Offer valid on 2016 or newer year models. Ask for complete details.

Recreational Vehicles, Boats & More

High rates shouldn't cloud your leisure time. Whether you want to travel the country in your new RV or take the boat out for a little fishing, we have options to suit your needs. We offer financing and Second Chance Refinancing on a variety of recreational vehicles including motorhomes, travel trailers, pop-up campers, boats, ATVs, jet skis and tractors.

Apply for RV Loan

  • Today's Recreational Vehicle Rates

    New Boats and Motorcycles - 2016 and Newer Model Years

    (Second Chance Refinance)3 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 3.29%
    37 to 48 Months 3.29%
    49 to 60 Months 4.04%
    61 to 72 Months1 4.54%
    73 to 84 Months1 5.04%
    85 to 120 Months2 6.04%

    1 Boat terms are based on loan amount. 72 months minimum loan amount is $20,000, 84 months minimum loan amount is $25,000, 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months.

    2 Maximum term for a motorcycle is 84 months.

    3 Interest rate discount available for Credit Life (0.10%), Credit Disability (0.10%), or both Credit Life and Credit Disability (0.25%). Lowest possible rate after discount is 2.44% APR for 48 month term. Other rates available for different terms.

     

    Used Boats and Motorcycles - 2013-2015 Model Years

    (Second Chance Refinance on 2013 & Newer Model Years)2 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 4.79%
    37 to 48 Months 4.79%
    49 to 60 Months 5.54%
    61 to 72 Months1 6.04%
    73 to 84 Months1 6.54%
    85 to 120 Months2 7.54%

    1 Boat terms are based on loan amount. 72 months minimum loan amount is $20,000, 84 months minimum loan amount is $25,000, 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months.

    2 Maximum term for a motorcycle is 84 months.

    3 Interest rate discount available for Credit Life (0.10%), Credit Disability (0.10%), or both Credit Life and Credit Disability (0.25%). Lowest possible rate after discount is 2.44% APR for 48 month term. Other rates available for different terms.

     

    New, Used or Refinanced Motor Home, Camper, Travel Trailer, JetSki, ATV, Tractor

    2013 and Newer Model Years2 1.1.17

    Loan Amount Term (up to)1 APR As Low As
    Any Amount 1 to 36 Months (3 yrs) 5.55%
    Any Amount 1 to 48 Months (4 yrs) 5.95%
    Any Amount 49 to 60 Months (5 yrs) 6.30%
    Any Amount 61 to 72 Months (6 yrs) 6.95%
    over $25,000 73 to 84 Months (7 yrs) 7.30%
    over $40,000 85 to 120 Months (10 yrs) 7.80%
    over $65,000 121 to 180 Months (15 yrs) 8.80%
    over $100,000 181 to 240 Months (20 yrs) 9.35%

    1 Loan amount for ATVs and Jet Skis must be $15,000.00 or greater for a 72 month term.

    2 Interest rate discount available for Credit Life (0.10%), Credit Disability (0.10%), or both Credit Life and Credit Disability (0.25%). Lowest possible rate after discount is 2.44% APR for 48 month term. Other rates available for different terms.

 

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 $550 for ATV, jet skis and motorcycles; $550 for boats; and $550 for RVs. GAP Plus can be financed with your vehicle loan.

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.