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Refinancing Auto Loans

Paying too much for your car? Come to LCCU to enjoy lower rates and fees.

What You Need:

  • Be a Latino CU member
  • Proof of income
  • Your last two tax returns, if you are self-employed
  • Established credit history or utility bills in your name from your place of residence*
  • Payoff letter valid for 20 days
  • Notarized MVR-6
  • $21.50 registration fee
  • May require in-person appraisal


What You Get:

  • Assistance checking your car history through Carfax
  • Financing up to 95% of the NADA value of the car
  • Save with a better 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
  • *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
We pay you back!
Through higher deposit rates and lower fees. Why wait? Experience the savings that only LCCU can provide.