Pre-Approval for Auto Loans

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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**

Pre-approval offer good for 30 days
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)
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

The Fine Print

The important details

*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 you must become a Latino Community Credit Union member
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. If valid proof of insurance is not on file, an additional insurance charge will be added to your monthly loan payment until acceptable insurance documentation is provided. Learn More Here