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Hit the Road to Monthly Savings
We are here to help you get behind the wheel and live your best financial life story when you buy new/used, refinance or if you’re a first-time car buyer! Plus, take advantage of our great service like TRUECar shopping or a free CARFAX report.
Rates Apply Now
Don’t miss this hot deal. Get Cash Back* up to $500 on all vehicle loans & refinances*
New/used, buy/refi* — all with same great, low rates get better terms, up to 144 months
plus 1% cash back*, up to $500! For a limited time only, click and apply now!
New – finance your used vehicle with us and receive a free CARFAX report at the time of loan closing.Rev up your savings, plus get cash back. APPLY online now
*DISCLOSURES: 1% of amt financed, up to $500 max. Cash Back offer only applies to new/used vehicle financing or refinanced vehicle loans from other lenders and does not apply to any other LCFCU loan product. Existing LCFCU loans NOT ELIGIBLE. $10,000 minimum loan amt required for cash back. Limited time only and may be withdrawn without notice. Other restrictions may apply.
Buy or Refinance: Vehicle Loan Options That Could Save You Money*
Take advantage of our new/used auto loans and refinance options that put you in the driver’s seat of just about anything you can drive or pull (including boats, trailers, motorcycles and more).
Want to save money on a vehicle you already own? Refinance now and the monthly savings could add up.
- 100% Financing
- Flexible terms of up to 144 months to reduce monthly payments
- Competitor rate matching
- No prepayment penalties
- Free CARFAX Vehicle History Report with financing
- Loan rate discount opportunities
First-Time Auto Buyer Loan
Little or no credit history? No problem!
Our First-Time Auto Buyer Loan we can help get you on the road to financial success, starting with your first auto loan. Before you start shopping, get pre-approved – that way, you can save time, avoid hassles and drive off the lot confidently in your new ride!
- Borrow up to $30,000 and up to 100% financing
- Competitive low rates with convenient flexible terms up to 72 months
- Simple qualifications include no auto trade history and employed in the same job/field for at least 6 months
Car Shopping Made Easy – TRUECar
We’ve partnered with TRUECar to make it easy for you to find the right vehicle and we’ll take care of the financing. Because TRUECar works with hundreds of dealerships to get you the best deal, you could save thousands in MSRP.
Best of all, TRUECar does all the shopping for you. Get LCFCU preapproved financing, then just tell them what you want in a vehicle, and they will start the search. When you find the right vehicle, lock in the price. Once the financing is completed, drive to the dealership and pick up your new vehicle. It’s that easy.
Get started with preapproved financing.
Get Started with TRUECarGet to Know a Vehicle Better with CARFAX
Feel more confident when buying your next used car with a CARFAX Vehicle History Report™. By reviewing a car’s ownership, service, and accident history, you can avoid potential problems and unexpected repair costs down the road.
When you finance your vehicle with LCFCU, you’ll receive a free CARFAX report at the time of loan closing.
CARFAX helps you make informed decisions by providing details such as:
- Reported accident history
- Service and maintenance records
- Type of use (e.g., personal, rental, commercial)
- History of ownership
Know more before you buy — drive away with confidence. Only two steps to GET STARTED:
- APPLY online for a great-rate vehicle loan
- Once approved, we will provide you with your free CARFAX Vehicle History Report™
*Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval. Existing LCFCU vehicle loans not eligible for refinance offer.
What Our Members Are Saying
“We bought a new car and LCFCU saved us $200 per month in payments instead of going with the dealer loan. Thank you for making it easy, we saved so much time by doing it all online.“
D.B., member since 2013
Featured Products and Services
Explore Gap and Mechanical Repair Protection
Don’t let expensive auto repairs disrupt your finances.
Save Some Money with Loan Discounts
Learn how you can save money on your next personal, vehicle or FHA Home Improvement loan at Library of Congress FCU.
Bookmark Your Budget with Skip-A-Payment
Add some money to your month when you need it most.
Let’s Do the Math
Discover What Kind of Car You Can Afford
Our calculators help you estimate monthly payments, total interest, and more.