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Pre-Approval for Auto Loans

Get the power to shop with confidence!

What You Need:

  • 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**


What You Get:

  • 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
  • Access your account online and do much more with our electronic services. Click here for 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 CU 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

Want to know more about the car-buying process?

We pay you back!
Through higher deposit rates and lower fees. Why wait? Experience the savings that only LCCU can provide.