Credit union · NCUA insured
Latino Community Credit Union Auto Loan Rates
Latino Community Credit Union auto loans start at 7.00% APR for a new vehicle and 9.75% for a used one. Rates checked October 22, 2026.
How Latino Community Credit Union’s auto loan rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Latino Community Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Latino Community Credit Union
7.00%APR
- Terms
- up to 84 months
- Up to
- —
New Vehicle
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Members Credit Union
3.99%APR
- Terms
- 6–84 months
- Up to
- 8.75% APR
Latino Community Credit Union auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.00%
- Used vehicleUsed9.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Latino Community 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.
New Vehicle
Must be a Latino Credit Union member. Proof of income required. Last 6 months personal account statements or last year's tax returns if self-employed. Established credit history or utility bills. Financing up to 95% of value (up to additional 5% for extended warranties, packages, and GAP). Maximum loan amount $80,000 for individual or joint. Maximum term up to 84 months. Vehicle must be registered with NCDMV with valid driver's license, personal references required, full coverage auto insurance required.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.00% | Loan to Value 95%. Based on a term of 84 months. Average loan amount $25,000, average payment $379. A minimum down payment of 30% will be considered as an alternative. |
| up to 84 months | 9.00% | Loan to Value 85%. Based on a term of 84 months. Average loan amount $20,000, average payment $323. |
| up to 84 months | 8.50% | Loan to Value 70%. Based on a term of 84 months. Average loan amount $25,000, average payment $397. |
Sources (2)
All captured Oct 22, 2026
Used Vehicle Loans
Must be a Latino Credit Union member. Proof of income required. Last 6 months personal account statements or last year's tax returns if self-employed. Established credit history or utility bills. Financing up to 95% of value. Maximum loan amount $80,000 individual or joint. Maximum term up to 84 months. Vehicle must be registered with NCDMV with valid driver's license, personal references required, full coverage auto insurance required.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 9.75% | Loan to Value 95%. Based on a term of 84 months. Average loan amount $25,000, average payment $413. A minimum down payment of 30% will be considered as an alternative. |
| up to 84 months | 11.75% | Loan to Value 85%. Based on a term of 84 months. Average loan amount $20,000, average payment $352. |
| up to 84 months | 10.75% | Loan to Value 70%. Based on a term of 84 months. Average loan amount $25,000, average payment $446. |
Sources (2)
All captured Oct 22, 2026
Who can join Latino Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals can qualify for membership by joining the Latino Community Development Center (LCDC) with a one-time $8 individual membership fee, residing in the US, having a valid SSN or ITIN, and possessing a valid government-issued ID.
Cost to join
- A one-time individual membership fee of $8 is required to join the Latino Community Development Center (LCDC).
Membership information collected October 4, 2026.