Credit union · NCUA insured
La Loma Federal Credit Union Auto Loan Rates
La Loma Federal Credit Union auto loans start at 7.99% APR for a new vehicle and 7.99% for a used one. Rates checked October 16, 2026.
How La Loma Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Riverside, CA, where La Loma Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
La Loma Federal Credit Union
7.99%APR
- Terms
- 12–72 months
- Up to
- 18.00% APR
Vehicle Loans
Lowest rate
Thinkwise Credit Union
3.49%APR
- Terms
- up to 60 months
- Up to
- —
2nd-lowest rate
Collegedale Credit Union
3.89%APR
- Terms
- —
- Up to
- —
La Loma Federal Credit Union auto loan score
60
Auto loan score
Higher than 2% of U.S. banks and credit unions
- New vehicleNew7.99%
- Used vehicleUsed7.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where La Loma Federal 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.
Vehicle Loans
Max Rate Discount is 1.50% (displayed rates reflect max discount). Discounts: 0.50% for direct deposit from employer, 0.50% for automatic payment from LLFCU share, and 0.50% if employed with eligible employer (Loma Linda University/Hospital/Academy, La Sierra University/Academy, Southeastern Conference of SDA). Lowest auto loan rate is subject to 36-month term and minimum 750 FICO. Rates subject to credit approval and membership eligibility.
| Terms | APR | Conditions |
|---|---|---|
| 12–84 months | 3.74%–18.00% | Rate displayed reflects max 1.50% discount. Estimated payment $29.41 to $36.15 per $1,000 borrowed based on a 36-month term. |
| 12–84 months | 3.49%–18.00% | Rate displayed reflects max 1.50% discount. Lowest auto loan rate subject to 36-month term. Estimated payment $29.30 to $36.15 per $1,000 borrowed based on a 36-month term. |
| 12–72 months | 7.99%–18.00% | Rate displayed reflects max 1.50% discount. Estimated payment $20.27 to $25.39 per $1,000 borrowed based on a 60-month term. |
| 12–72 months | 5.49%–18.00% | Rate displayed reflects max 1.50% discount. Estimated payment $30.19 to $36.15 per $1,000 borrowed based on a 36-month term. |
| 12–180 months | 7.99%–18.00% | Rate displayed reflects max 1.50% discount. Estimated payment $20.27 to $25.39 per $1,000 borrowed based on a 60-month term. |
| 12–120 months | 8.49%–18.00% | Rate displayed reflects max 1.50% discount. Estimated payment $20.51 to $25.39 per $1,000 borrowed based on a 60-month term. |
| up to 36 months | 3.49% | As low as rate for auto loans. Standard preferred rate is 4.99% APR with minimum 750 FICO and 36-month term on a New Vehicle Loan. Reflects up to 1.50% in discounts (0.50% direct deposit, 0.50% automatic payments, 0.50% direct SEG employer). Excludes existing LLFCU auto loans. |
| — | 8.99% | Rates as low as 8.99% APR for auto loans advertised on homepage. |
Who can join La Loma Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members, employees, and students of Southeastern California Conference of Seventh-Day Adventists, Loma Linda University, Loma Linda University Health, and La Sierra University communities are eligible for membership.
Family and household
- Household members or family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step siblings, and adoptive relationships) of a La Loma Federal Credit Union member in good standing are eligible for membership.
Cost to join
- An initial deposit of $25 or more is required to open a Member Share Account.
- A $5.00 membership fee is required for new members.
Membership information collected October 5, 2026.