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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 two 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 the car
  • 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 72 months
Loan to Value APR Maximum Amount Avg. Loan Amount Avg. Payment
95% 8.750%*$60,000 $25,000 $411
85% 10.750%$20,000 $20,000 $349
70% 10.250%$60,000 $25,000 $429
  • *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 $50,000 individual and $60,000 joint
  • Maximum term: up to 72 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?