Start Saving with Better Rates
Refinancing your vehicle with La Cap could help you lower your interest rate, reduce your monthly payment, or both. With competitive rates and flexible terms, refinancing could put more money back in your budget.
- Refinance your vehicle with rates as low as 5.49% APR.1
- Refinance your vehicle loan with us and get up to $100.2
- Choose a loan term that works for your budget.
- Lower your monthly payments and make them more affordable.
- Refinance your vehicle at a lower rate and save money.
Application takes about 10 minutes!
Find Your Best Auto Loan Rate
Explore our current auto refinance rates and find the term that works best for 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.
Make Your Vehicle Work for You
Guaranteed Asset Protection
If your vehicle is ever totaled, standard insurance may not cover the full amount you owe on your loan. That's where GAP Plus comes in - it helps cover the difference between your loan balance and your insurance payout, potentially paying off the remaining balance entirely.
Without GAP Plus, depreciation could leave you owing more on your car than it's worth, putting you in a tough financial spot if an accident occurs. With a one-time cost of $625, GAP Plus provides coverage for autos, ATVs, jet skis, motorcycles, boats, and RVs. It can be financed with your vehicle loan at the time of purchase or added at any point during the loan's life.
Try GAP risk-free with a 90-day trial!
GAP Plus Provides:
- Protection to vehicles valued up to $100,000 at time of purchase.
- Benefits paid up to $50,000.
- All risk protection for new and used vehicles financed through La Cap.
- Protection for the term of your loan, up to 84 months.
- 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.
Explore Related Loans
Auto Loans
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 help find a rate that gets you there.
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. Refinancing is also available.
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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, and the term of your loan. 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.
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 2023 or newer year models.