Auto Refinance

   

Move Your Auto Loan and Skip Payments for Up to 90 Days*
And, Get Up to $100 for Your Trouble!**

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

To learn more, watch the video below.

 

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*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.

Auto Refinance

 

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.