Auto Loans

Unbeatable Rates

Flexible Terms 
up to 84 months New and Used

Repayment Options 
with Fee-Free Skip Payments

 

Let's Compare Auto Rates!

Banks

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Credit Unions

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LIRFCU

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Average Rates

The following rates are the APR (Annual Percentage Rate) for New and Used Auto Loans taken from the NCUA June 2017 Average Credit Union and Bank Rates Report. The Used car rates apply for 48 month terms. The New car rates apply to 60 month terms.

New Auto

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New Auto Loans

1. LIRFCU can provide Auto Loans of any value. However, the loan value cannot exceed our evaluation of the vehicle's value, and applications that exceed $100,000.00 require special approval, and may be approved with different terms.

2. The advertised rate of 1.64%APR is for a 60 months term. This lowest advertised rate will change to 1.89%APR for 72 months, and 2.14%APR for 84 months. All lending offers are subject to a full credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or different terms.

Details

   100% Vehicle Value 

   Up to an 84 Month Term 

   As low as 1.64% APR 

Sample New Vehicle Rates

60 Months

1.64 %

APR

$17.38

Price per Thousand

72 Months

1.89 %

APR

$14.71

Price per Thousand

84 Months

2.14 %

APR

$12.83

Price per Thousand
More Terms Avaliable

12 Months

1.64 %

APR

$84.08

Price per Thousand

24 Months

1.64 %

APR

$42.39

Price per Thousand

36 Months

1.64 %

APR

$28.49

Price per Thousand

48 Months

1.64 %

APR

$21.54

Price per Thousand

APR=Annual Percentage Rate. Rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms.

Used Auto

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Used Auto Loans

1. LIRFCU can provide Auto Loans of any value. However, the loan value cannot exceed our evaluation of the vehicle's value, and applications that exceed $100,000.00 require special approval, and may be approved with different terms.

2. The advertised rate of 1.89%APR is for a 60 months term. This lowest advertised rate will change to 2.14%APR for 72 months, and 2.39%APR for 84 months. All lending offers are subject to a full credit history review and approval. Applicants who are not approved for advertised rates may be offered credit at a higher rate and/or different terms.

Details

   100% Vehicle Value 

   Up to an 84 Month Term 

   As low as 1.89% APR 

Sample Used Vehicle Rates

60 Months

1.89 %

APR

$17.48

Price per Thousand

72 Months

2.14 %

APR

$14.82

Price per Thousand

84 Months

2.39 %

APR

$12.95

Price per Thousand
More Terms Avaliable

12 Months

1.89 %

APR

$84.19

Price per Thousand

24 Months

1.89 %

APR

$42.50

Price per Thousand

36 Months

1.89 %

APR

$28.60

Price per Thousand

48 Months

1.89 %

APR

$21.65

Price per Thousand

APR=Annual Percentage Rate. Rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms.

Did you Know?

You can take a Personal Loan, or Auto Equity Loan, against a vehicle you own at the low Auto Loan rate?

Already have an auto loan through another institution?

Consider refinancing. We probably can help you save money by lowering your interest rate!

What are you waiting for?

Click to Learn More:

Auto Loans

LIRFCU offers a range of Automobile Loans:

  1. New & Used Purchase
  2. Private or Dealer Sales
  3. Lease Buyout & Refinances
  4. Equity Cash-Outs

 

Learn More

Auto Loans

Personal Loans

LIRFCU Whether for Vacation, Home Improvement, or Bills, our flexible personal loan program is perfect to get you the funds you need.  

Learn More

Personal Loans

Debt Consolidation

Save yourself the hassle and interest, consolidate your high interest cards and debts into one lower-interest easy-to-manage debt consolidation loan.

 

Learn More

Debt Consolidation

Mortgages

Our In-House mortgage programs provide you with a diverse options of home lending, from 1st Mortgages of up to 50 year terms, home equity loans, and short term investor mortgages.

Learn More

Mortgages

Share-Secured Loans

A Share-Secured Loan is a way to borrow against your own funds. Many choose this option to take advantage of a lower interest rate while still earning our high savings interest, or, to make sure they repay themselves. 

 

Learn More

Share-Secured Loans

Boat Loans

We are happy to offer Boat Loans to our members, and help them enjoy that aspect of being an Islander!

Learn More

Boat Loans