Credit union · NCUA insured
LBS Financial Auto Loan Rates
LBS Financial auto loans start at 4.74% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How LBS Financial’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where LBS Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
LBS Financial
4.74%APR
- Terms
- 36–66 months
- Up to
- 18.00% APR
- Discount
- Included in the rate
New Autos, Trucks and Vans (Model years 2026 or newer)
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
LBS Financial auto loan score
80
Auto loan score
Higher than 52% of U.S. banks and credit unions
- New vehicleNew4.74%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where LBS Financial 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 Autos, Trucks and Vans (Model years 2026 or newer)
Up to 120% financing (LTV) based on MSRP or Kelley Blue Book, including tax and license PLUS warranty, GAP, and maintenance. Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Lowest rate offered may require 10% down payment. Approved rate honored for 7 days from date of approval. Max age of vehicle limited to 15 years.
| Terms | APR | Conditions |
|---|---|---|
| 36–66 months | 4.74%–18.00% | Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Lowest rate offered may require 10% down payment. |
| 72–75 months | 5.04%–18.00% | Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Lowest rate offered may require 10% down payment. |
| up to 84 months | 5.74%–18.00% | $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2019 and newer of $20,000 or more and for FICO scores of 625+. Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Lowest rate offered may require 10% down payment. |
Sources (1)
- lbsfcu.org/loans/auto/auto-loans · captured Oct 16, 2026
Used Autos, Trucks and Vans (Model years 2018 and older)
Minimum amount financed of $5,000. Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Vehicle loan amount may not exceed 90% of retail Kelley Blue Book value including taxes and license PLUS warranty up to $3,000 for 2 wheel drive and $3,500 for 4 wheel drive, GAP up to $1,000, and pre-paid maintenance up to $1,000. Approved rate honored for 7 days from date of approval. Max age of vehicle is limited to 15 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.69%–18.00% | Minimum amount financed $5,000. Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. |
| up to 48 months | 7.99%–18.00% | Minimum amount financed $5,000. Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. |
| up to 66 months | 8.49%–18.00% | Minimum amount financed $5,000. Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. |
Sources (1)
- lbsfcu.org/loans/auto/auto-loans · captured Oct 16, 2026
Used Autos, Trucks and Vans (Model years 2019 to 2025)
Up to 120% financing (LTV) based on MSRP or Kelley Blue Book, including tax and license PLUS warranty, GAP, and maintenance. Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Lowest rate offered may require 10% down payment. Approved rate honored for 7 days from date of approval. Max age of vehicle limited to 15 years.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.19%–18.00% | Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Lowest rate offered may require 10% down payment. |
| 72–75 months | 5.49%–18.00% | Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Lowest rate offered may require 10% down payment. |
| up to 84 months | 5.99%–18.00% | $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2019 and newer of $20,000 or more and for FICO scores of 625+. Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Lowest rate offered may require 10% down payment. |
Sources (1)
- lbsfcu.org/loans/auto/auto-loans · captured Oct 16, 2026
Who can join LBS Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Orange, Riverside, San Diego, or San Bernardino counties, or in designated cities within Los Angeles County.
Employers and groups
- Employees of participating select employer groups and qualifying organizations are eligible for membership.
Military, government and schools
- Employees of specified schools, school districts, and associated educational organizations are eligible for membership.
- Students, CSULB alumni association members, and family members of students attending CSULB, Cerritos Community College, or Long Beach City College are eligible for membership.
Family and household
- Immediate family members (parent, child, spouse/domestic partner, sibling, grandparent, grandchild, step, or adoptive relation) of existing members are eligible for membership.
Other ways
- California residents and workers who do not otherwise qualify may join LBS Financial by joining the Financial Fitness Association for an additional one-time fee of $8.00.
Cost to join
- Maintain a minimum $5 share deposit in a Share Savings account to establish and maintain membership.
- A one-time membership fee of $1 per Member is required to join.
Membership information collected October 5, 2026.