We also finance the fun stuff - boats, RVs, motorcycles, and jet skis!
Info & Advice
Ready to buy? Go prepared. Check out our Seven Simple Steps To Auto Buying. Need more detailed advice? Browse our vehicle buying articles to get the information you need on determining your down payment, how much to borrow, and other factors to consider when buying your next vehicle.
Car Buying Made Easy
Auto Expert - As an LFCU member, you have access to one of the best auto buying services in the country. Auto Expert's experienced buyers will save you time and help you avoid high-pressure sales people. Plus, with their volume discounts, Auto Expert helps members save an average of $1,700 on their auto purchase.
Call Auto Expert at (800) 359-4567.
An expert auto buyer will walk you through the process, answer any questions you have, and kick off the search for your new car. Tell them exactly what you are looking for, including make and model, color, options and accessories. They'll take it from there. Need a hand? Use the Auto Expert Car Search database.
Get your loan pre-approved.
Visit your local branch or call LFCU to get pre-approved for the payment that works for you.
Pick up your new car.
You don't need to worry about DMV paperwork or loan documents - Auto Expert will handle all the details and deliver your car right to your closest LFCU branch.
Drive home happy. Call (800) 359-4567 to put Auto Expert to work for you.
Service is available in CA only at this time. LFCU is not affiliated with Auto Expert.
Don't Be Fooled By These Common Dealer Myths
- MYTH: Factory Invoice is how much the vehicle costs the dealer.
Not true. Dealers often receive manufacturer incentives and holdbacks, which lower the dealer's costs.
- MYTH: 0% financing is a great deal.
Not necessarily! You need nearly perfect credit to qualify for these offers and may be required to give up a potential manufacturer's rebate - often thousands of dollars. In addition, 0% financing can often mean higher monthly payments and is usually only offered on slow-selling models.
- MYTH: If I want to drive home in my new car, I must finance at the dealership.
Wrong! You have anywhere from 5 to 10 days to present the dealer with payment from your credit union or another lender. You can purchase a vehicle over the weekend and finance with LFCU on Monday!
¹APR = Annual Percentage Rate. "As Low As" auto rates are our best fixed rates and include a 1% discount for Automatic Payment (AutoPay) when transferred from an LFCU checking account; maximum 17.99% APR. New or used autos, 60 months @ 3.99% APR = $18.42 per $1,000. Rates subject to increase if AutoPay is discontinued. Actual interest rate offered may be higher depending on applicant’s credit rating and other underwriting factors. In some instances we may require borrowers to purchase Guaranteed Auto Protection on new and used auto loans. LFCU offers auto loans in the following states only: AZ, CA, DC, FL, MA, MD, ME, NH, NV, and VA. Subject to credit approval. Rates accurate as of 2/1/10 and are subject to change.
Click here for Official Rules on the $10,000 cash contest.
