Refinancing Auto Loans

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

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

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 Fine Print

The important 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