Credit union · NCUA insured
LAFCU Auto Loan Rates
Top CarrotLAFCU auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How LAFCU’s auto loan rates compare
Compared with banks and credit unions near Lansing, MI, where LAFCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
LAFCU
4.99%APR
- Terms
- —
New and Used Vehicle Loans
Lowest rate
CASE Credit Union
4.14%APR
- Terms
- up to 84 months
2nd-lowest rate
Journey Federal Credit Union
4.49%APR
- Terms
- —
LAFCU auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LAFCU 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.
Auto Loan Refinance
Limited-time promotion valid 5/21/26 - 9/30/26. First payment covered up to $500. Must refinance an existing auto loan from another lender or eligible lease buyout (not valid for refinancing existing LAFCU loans or automobile purchase transactions). Loan must remain open for at least 6 payments or credited amount is added back. Membership open to anyone who lives, works, worships, or attends school in Michigan.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.74% | As low as 4.74% APR for well-qualified borrowers; actual rate varies based on creditworthiness, loan term, and vehicle details. Example: $20,000 loan at 4.74% APR for 36 months = $597/month. Promotional offer valid 5/21/26 - 9/30/26. |
New and Used Vehicle Loans
Rate determined by credit history, terms, and security. Vehicle insurance is required. New purchases or refinances from other financial institutions only. Membership required (open to anyone who lives, works, worships, attends school in, or has a business located anywhere in Michigan).
| Terms | APR | Conditions |
|---|---|---|
| — | 4.99% | As low as rate. Rate determined by credit history, terms, and security. Vehicle insurance required. New purchases or refinances from other financial institutions only. |
Who can join LAFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals and businesses are eligible to join if they live, work, worship, attend school in, or own a business located anywhere in the state of Michigan.
Membership information collected October 5, 2026.