Vehicle Loans

Considering a New Vehicle?

We'll even help you do your research to find the best deal with our AutoSmart or Carvana! Once you find the perfect vehicle (Autos, SUVs, Trucks, Tractors, Motorcycles, RVs, Snowmobiles, ATV, Boats, and Personal Watercraft), we may even help you save on car insurance with TruStage

Apply online today to take advantage of:

  • FAST Pre-Approval - Shop as if you have cash in hand!
  • NEW LOWER RATES NOW AVAILABLE with up to 96-month terms.
  • Low Cost insurance options and extended warranties.
  • Tax, tags, title, & maintenance agreement included in the loan cost.
  • Annual Skip-A-Pay Option3
  • Sign and send documents electronically.

We also encourage members to use our Loan Calculator to estimate their payments.

See How Much You Can Save!

Refinance your auto loan from another financial institution!
Make No Payments for 90 days!

Have multiple car loans elsewhere?2
Ask us about our multi car loan discounts!

Refinance today!

1 ELTV requirements apply to qualify for deferral. Interest accumulates during any deferment. All accounts of obligor must be in good standing to receive incentive. Annual Percentage Rate (APR) ranges between 2.09%-7.99% based on credit. For borrowers with excellent credit a 60-month vehicle loan of $20,000 at 2.09% APR would have 60 monthly payments of $351. Your rate and payment may vary. Approvals based on credit and vehicle condition. Refi’s mirror term and cosigners of current loan.  Eligible model years 2014-2022, maximum LTV restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Collateral insurance required for life of loan. Labor CU auto loans ineligible for offer. Other restrictions may apply. Labor CU reserves the right to end this program at any time and terms are subject to change without notice. Contact us for details. Equal Opportunity Lender.

2 When you refinance 2 or more car loans with Labor CU, you will receive a .25pt discount on each car.

3 Skip-A-Pay (SAP) is an optional consumer loan program to defer one monthly payment for a fee, currently $20 for online skipped payment or $30 for employee assisted skipped payment. Loans must be open for at least 1 year and be current to be eligible for SAP. Other SAP qualifications apply. Interest accrues during and after payment deferral at loan contract rate. Deferring payment(s) results in higher finance charges and extension of loan term. Payments must be resumed the month following a skipped payment. LCU has the right to limit the number of skips per loan. SAP program terms and conditions subject to change at any time.

*Not all members will qualify for 90-Day payment deferment. Interest will continue to accrue for the entire payment deferment period. Deferred payments may not exceed 90 days. Annual Percentage Rate (APR) ranges between 2.09%-7.99% based on credit. For borrowers with excellent credit a 60-month vehicle loan of $20,000 at 2.09% APR would have 60 monthly payments of $351. Your rate and payment may vary. Approvals based on credit and vehicle condition. Eligible model years 2014-2022, maximum LTV restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Collateral insurance required for life of loan. Other restrictions may apply. Offer ends 10/01/2022 and terms are subject to change without notice. Contact us for details. Equal Opportunity Lender.