Credit union · NCUA insured
Los Angeles Police Federal Credit Union Auto Loan Rates
Top CarrotLos Angeles Police Federal Credit Union auto loans start at 4.24% APR for a new vehicle and 4.49% for a used one. Rates checked October 16, 2026.
How Los Angeles Police Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where Los Angeles Police Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Los Angeles Police Federal Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Auto
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Los Angeles Police Federal Credit Union auto loan score
88
Auto loan score
Higher than 85% of U.S. banks and credit unions
By vehicle
- New vehicleNew4.24%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Los Angeles Police 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.
New Auto
Up to 125% financing for new automobiles and used/classic automobiles of retail value, including tax, license, document fees and service maintenance contracts, on approved credit tier. Loan amounts greater than $150,000 are considered High-Value Auto loans and an additional 1% APR will be added on top of the loan rate(s).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.74% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 48 months | 3.99% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 60 months | 4.24% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 72 months | 4.49% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 84 months | 5.74% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 96 months | 6.99% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 120 months | 7.99% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
Sources (1)
- lapfcu.org/about-us/rates/vehicle-loan-rates · captured Oct 16, 2026
New Motorcycle, ATV & UTV Loans
Up to 110% financing for new motorcycles, ATV, and UTV, and used/classic motorcycles, ATV, and UTV of retail value, including tax, license, document fees and service maintenance contracts, on approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.49% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 48 months | 6.49% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 60 months | 6.74% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 72 months | 7.24% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 84 months | 7.99% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 120 months | 8.49% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
Sources (1)
- lapfcu.org/about-us/rates/vehicle-loan-rates · captured Oct 16, 2026
Used Auto
Up to 125% financing for new automobiles and used/classic automobiles of retail value, including tax, license, document fees and service maintenance contracts, on approved credit tier. Loan amounts greater than $150,000 are considered High-Value Auto loans and an additional 1% APR will be added on top of the loan rate(s).
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 48 months | 4.24% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 60 months | 4.49% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 72 months | 4.74% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 84 months | 5.99% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 96 months | 7.24% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 120 months | 8.24% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
Sources (1)
- lapfcu.org/about-us/rates/vehicle-loan-rates · captured Oct 16, 2026
Used Motorcycle, ATV & UTV Loans
Up to 110% financing for new motorcycles, ATV, and UTV, and used/classic motorcycles, ATV, and UTV of retail value, including tax, license, document fees and service maintenance contracts, on approved credit.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.74% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 48 months | 6.74% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 60 months | 6.99% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 72 months | 7.49% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 84 months | 8.24% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
| up to 120 months | 8.74% | Requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program + a 0.25% loan rate discount for autopay). |
Sources (1)
- lapfcu.org/about-us/rates/vehicle-loan-rates · captured Oct 16, 2026
Who can join Los Angeles Police Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- LAPFCU employees and their family or household members, retirees, pensioners, annuitants, spouses of people who died while within the field of membership, corporate/legal entities in the charter, volunteers, and related organizations are eligible to join.
- Board members, unpaid officials, and volunteers of nonprofit organizations that support law enforcement agencies in the listed counties (Imperial, Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, Ventura County) are eligible to join.
Military, government and schools
- Cadets and Explorers are eligible to join LAPFCU (applicants under 18 must present a birth certificate, Social Security card, or school ID, and require an adult co-signer if requesting a checking account or ATM/debit card).
- Federal, state, county, and municipal law enforcement agency employees who work in Imperial, Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura County are eligible for membership.
Family and household
- Household members of eligible members, defined as domestic partners (as defined in LAPFCU's Affidavit of Domestic Partnership) and legal guardianship relationships (defined by court order), are eligible to join.
- Immediate family members of a current LAPFCU member (defined as spouse, domestic partner, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adopted child, and legal guardianship) are eligible to join.
Membership information collected October 5, 2026.