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Auto Refinance

Move Your Auto Loan and Save

Move your vehicle loan to La Cap and you could skip the first three payments.1  Since the average car payment is more than $630 per month, you could free up $1,900. That’s money you can use for other things! We’ll also give you up to $100 for your trouble.2

  1. Free up funds by taking advantage of our 90 day no payment option.1
  2. Lower your monthly payments making 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. Refinance your vehicle loan with us and get up to $100.2

Current Member: Apply Now  Not a Member Yet? Apply Now 

New Vehicle - 2019 and Newer Model Years

Auto, Van, Truck, and Program Car3

New Vehicle - 2019 and Newer Model Years Effective Date: 11/08/22
Term (up to)APR As Low As
1 to 36 Months4.29%
37 to 48 Months4.29%
49 to 60 Months4.59%
61 to 66 Months14.59%
67 to 75 Months14.69%
76 to 78 Months24.84%
79 to 84 Months25.14%

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

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

3With 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.

Used Vehicle - 2018 and Older Model Years

Auto, Van, and Truck1

Used Vehicle - 2018 and Older Model Years Effective Date: 11/08/22
APR As Low AsAPR As Low As4
Term (up to)2015-2018 Model Years2014 and Older Model Years
1 to 36 Months5.29%27.293
37 to 48 Months5.29%27.29%3
49 to 60 Months5.59%27.59%3
61 to 66 Months5.59%27.59%3
67 to 75 Months5.69%2---

1With 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.

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

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

Extended Warranty

Be prepared for vehicle repairs with Mechanical Breakdown Protection.

TruStage Auto Insurance

TruStage offers top-quality protection at affordable prices.

Enterprise Car Sales

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

Guaranteed Asset Protection

Due to depreciation, it is possible to owe more on your car than 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, ATV, jet skis, motorcycles, boats, and 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.

Disclosures

1 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.

2 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 2019 or newer year models.

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