Pre-Approval for Auto Loans

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Proof of income. Exceptions may apply*
Your 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
Competitive interest rate
Option to purchase guaranteed asset protection (GAP) coverage at lower rates***
Option to protect your loan through life and disability
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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 $50,000 individual and $60,000 joint
Maximum term: up to 72 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