Credit union · NCUA insured
CFLA CREDIT UNION Auto Loan Rates
CFLA CREDIT UNION auto loans start at 5.25% APR for a new vehicle and 6.50% for a used one. Rates checked October 16, 2026.
How CFLA CREDIT UNION’s auto loan rates compare
Compared with banks and credit unions near Baton Rouge, LA, where CFLA CREDIT UNION has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
CFLA CREDIT UNION
5.25%APR
- Terms
- 1–60 months
NEW CAR / TRUCK / MOTORCYCLE (street)
Lowest rate
Formation Credit Union
3.15%APR
- Terms
- up to 72 months
2nd-lowest rate
Baton Rouge City Parish Employees FCU
3.99%APR
- Terms
- up to 84 months
CFLA CREDIT UNION auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed6.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CFLA CREDIT UNION ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
DEMO / PROGRAM CAR / TRUCK / MOTORCYCLES (street)
Demo and program car loan amounts are set by NADA Official Guide (Clean Retail Value). Length of loan is based on age of vehicle: 1 - 5 Years Old - Term of 60 Months (Loan Amount 80% CRV); 6 - 10 Years Old - Term of 48 Months (Loan Amount 70% CRV). Maximum dollar amount an individual can borrow is $80,000 across all loan types (except share loans). Subject to C.U. Loan Officer approval, availability of funds, acceptable credit report, favorable debt to income ratio, and proof of continuous employment (minimum of 6 months).
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 5.75% | 1 - 60 Months term (1-5 Years Old: Term of up to 60 Months, Loan Amount 80% CRV; 6-10 Years Old: Term of up to 48 Months, Loan Amount 70% CRV). Maximum loan amount $80,000. |
Sources (1)
- cflacu.com/uploads/3/1/2/6/31260025/current_rates.pdf · captured Oct 7, 2026
NEW CAR / TRUCK / MOTORCYCLE (street)
100% of purchase price plus TT&L. All cars/trucks/motorcycles of the current year with no more than 12,000 miles or 7 months old and same owner are considered new. Purchase price is defined as sticker price. Maximum dollar amount an individual can borrow is $80,000 across all loan types (except share loans). Subject to C.U. Loan Officer approval, availability of funds, acceptable credit report, favorable debt to income ratio, and proof of continuous employment (minimum of 6 months).
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 5.25% | 1 - 60 Months term. Maximum loan amount $80,000. |
| 61–72 months | 5.75% | 61 - 72 Months term. Maximum loan amount $80,000. |
Sources (1)
- cflacu.com/uploads/3/1/2/6/31260025/current_rates.pdf · captured Oct 7, 2026
USED CAR / TRUCK / MOTORCYCLES (street)
All cars/trucks/motorcycles not having a certificate of origin - NADA Official Guide (Clean Retail Value) are considered used. Length of loan is based on age of vehicle: 1 - 5 Years Old - Term of 60 Months (Loan Amount 80% CRV); 6 - 10 Years Old - Term of 48 Months (Loan Amount 70% CRV). Maximum dollar amount an individual can borrow is $80,000 across all loan types (except share loans). Subject to C.U. Loan Officer approval, availability of funds, acceptable credit report, favorable debt to income ratio, and proof of continuous employment (minimum of 6 months).
| Terms | APR | Conditions |
|---|---|---|
| 1–60 months | 6.50% | 1 - 60 Months term (1-5 Years Old: Term of up to 60 Months, Loan Amount 80% CRV; 6-10 Years Old: Term of up to 48 Months, Loan Amount 70% CRV). Maximum loan amount $80,000. |
Sources (1)
- cflacu.com/uploads/3/1/2/6/31260025/current_rates.pdf · captured Oct 7, 2026
Who can join CFLA CREDIT UNION
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.