Credit union · NCUA insured
University of Louisiana FCU Auto Loan Rates
University of Louisiana FCU auto loans start at 5.59% APR for a new vehicle and 6.59% for a used one. Rates checked October 16, 2026.
How University of Louisiana FCU’s auto loan rates compare
Compared with banks and credit unions near Lafayette, LA, where University of Louisiana FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
University of Louisiana FCU
5.59%APR
- Terms
- up to 60 months
- Up to
- —
New Vehicle
Lowest rate
Maple Federal Credit Union
3.49%APR
- Terms
- up to 96 months
- Up to
- —
2nd-lowest rate
705 FCU
4.25%APR
- Terms
- up to 72 months
- Up to
- 17.00% APR
University of Louisiana FCU auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed6.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where University of Louisiana FCU 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
New and late model used vehicles (2024 and newer model years) with 30,000 or fewer miles. Subject to credit approval, credit history, model year, term, and loan amount. A $20.00 Loan Processing Fee applies to all loan applications. Down payment may be necessary.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Advertised 'as low as' annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. |
| up to 48 months | 5.49% | Advertised 'as low as' annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. |
| up to 60 months | 5.59% | Advertised 'as low as' annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. |
| up to 72 months | 5.99% | Advertised 'as low as' annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. |
| up to 84 months | 6.99% | Advertised 'as low as' annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. |
Used Vehicle
2023 and older model years or any model year with over 30,000 miles. Subject to credit approval, credit history, model year, term, and loan amount. A $20.00 Loan Processing Fee applies to all loan applications. Down payment may be necessary.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.99% | Advertised 'as low as' annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. |
| up to 48 months | 6.49% | Advertised 'as low as' annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. |
| up to 60 months | 6.59% | Advertised 'as low as' annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. |
| up to 72 months | 6.99% | Advertised 'as low as' annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. |
| up to 84 months | 7.99% | Advertised 'as low as' annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. |
Who can join University of Louisiana FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is available to faculty, staff, and current students of South Louisiana Community College.
- Membership is available to faculty, staff, current students, and alumni of University of Louisiana at Lafayette.
Family and household
- Membership is open to immediate family members of existing UL Federal Credit Union members, including children (adopted and stepchildren), siblings, parents, grandparents, and grandchildren.
Other ways
- Individuals not eligible through other affiliations may qualify for membership by becoming a UL Lafayette Alumni Association Donor with a one-time gift to the Alumni Association Loyalty Fund.
Cost to join
- An opening deposit requires a $5 one-time membership fee.
- An opening deposit includes a $5 minimum deposit / share value that must remain on deposit for the duration of membership.
Membership information collected October 5, 2026.