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Auto Loans

Avoid costly mistakes and get on the road today!

What You Need:

  • Be a Latino Community Credit Union member
  • Proof of income. Exceptions may apply*
  • Your last 6 months of personal account statements or the last year’s tax returns, if you are self-employed.
  • Established credit history or utility bills in your name from your place of residence**
  • Bill of sale
  • May require in-person appraisal

 

What You Get:

  • Assistance checking your car history through Carfax
  • Financing up to 95% of the value of a new or used car. (Up to an additional 5% for new vehicles to include extended warranties, packages and GAP).
  • Ensure you get a fair price on your car using the NADA guide
  • Competitive interest rate
  • Option to purchase guaranteed asset protection (GAP) coverage at lower rates***
  • Option to protect your loan through life and disability
  • Access your account online and do much more with our online services. Click here for details

New Vehicle 1

All rates are based on a term of 84 months
Loan to Value APR Maximum Amount Avg. Loan Amount Avg. Payment
95% 8.750%*$80,000 $25,000 $401
85% 10.750%$40,000 $20,000 $342
70% 10.250%$80,000 $25,000 $421
  • *A minimum down payment of 30% will be considered as an alternative
  • **The amount of credit history or alternative credit required depends on the loan amount and down payment
  • ***This covers the difference between what you owe on your car loan and the value of your car, in case it suffers a total loss, theft or fire
  • Maximum loan amount of $80,000 for individual or joint
  • Maximum term: up to 84 months
  • If approved vehicle must be registered with NCDMV with a valid driver’s license
  • If approved you will be asked to provide personal references
  • If approved you will be asked to obtain full coverage auto insurance

Private purchase loans

Thinking of buying from someone you know?