Online Banking
Download our Mobile App
Home Banking Maintenance will occur Sat., Apr. 4th & Sun., Apr. 5th from 11:00 PM to 3:00 AM (CST). Some online features will be unavailable during this time.
Move your vehicle loan to La Cap and you could skip the first three payments.* That’s money you can use for other things! Rates have dropped to near record lows. There’s never been a better time to move your vehicle loan, save money, and free up cash you might need for other things. We’ll also give you up to $100 for your trouble.**
1. With the average car payment over $500 per month you could free up $1,500 by taking advantage of our 90 day no payment option.*
2. Lower your monthly payments to make them more affordable.
3. Refinance your vehicle at a lower rate and save the most money.
4. Do all of the above at the same time!
5. And, if you refinance your vehicle loan with us, we’ll give you up to $100.**
Apply for New Auto Refinance
2017 and newer year models
Apply for Used Auto Refinance
2016 and Older Year Models
*Loan products are available to qualified, creditworthy members. 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. 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.
**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 $8,000 or above qualify for a cash incentive under this offer: $50 for vehicle loans with a balance of $8,000 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 2017 or newer year models.
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.
(Second Chance Refinance)2 02/19/2020
| Term (up to) | APR As Low As3 |
|---|---|
| 1 to 36 Months | 6.25% |
| 37 to 48 Months | 6.50% |
| 49 to 60 Months | 6.75% |
| 61 to 72 Months1 | 7.00% |
| 73 to 84 Months1 | 7.25% |
| 85 to 120 Months | 7.50% |
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 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.
3 The actual rate for which you qualify will be based on your credit history, loan amount & the term of your loan. Rate may increase subject to final Loan to Value (LTV).
(Second Chance Refinance on 2014-2016 Model Years)2 02/19/2020
| Term (up to) | APR As Low As3 |
|---|---|
| 1 to 36 Months | 7.25% |
| 37 to 48 Months | 7.50% |
| 49 to 60 Months | 7.75% |
| 61 to 72 Months1 | 8.00% |
| 73 to 84 Months1 | 8.25% |
| 85 to 120 Months2 | 8.50% |
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 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.
3 The actual rate for which you qualify will be based on your credit history, loan amount & the term of your loan. Rate may increase subject to final Loan to Value (LTV).
2014 and Newer Model Years3 02/19/2020
| Loan Amount | Term (up to)1 | APR As Low As |
|---|---|---|
| Any Amount | 1 to 36 Months (3 yrs) | 6.50% |
| Any Amount | 1 to 48 Months (4 yrs) | 7.25% |
| Any Amount | 49 to 60 Months (5 yrs) | 7.75% |
| Any Amount | 61 to 72 Months (6 yrs) | 8.00% |
| over $25,000 | 73 to 84 Months (7 yrs) | 8.25% |
| over $40,000 | 85 to 120 Months (10 yrs)2 | 9.00% |
| over $65,000 | 121 to 180 Months (15 yrs)2 | 10.25% |
| over $100,000 | 181 to 240 Months (20 yrs)2 | 10.50% |
1 Loan amount for ATVs and Jet Skis must be $15,000.00 or greater for a 72 month term.
2 Maximum term for a motorcycle is 84 months.
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.
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.
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.
