Get a New or Used Auto Loan and make no payments for up to 90 days!

As a member-owner of LA Financial Credit Union you deserve options that will benefit you! We are excited to announce an auto loan program with New or Used Auto Loan Rates as low as 1.90% APR* - with up to 100% financing and where your first payment is deferred** for up to 90 days. Now that's unbeatable!

With LA Financial’s great low rates, you may also save money on your monthly payments and lower your total cost of financing. Best of all, you can use this loan on the purchase of a new or used vehicle, or to refinance an existing loan from another financial institution.

Get pre-approved for an auto loan before you shop! 
Knowing how much car you can afford will come in handy when you’re trying to negotiate a deal. In addition knowing what you can afford will save you time by leading you straight to vehicles in your price range. Apply online here.

This is a limited-time offer, so hurry and take advantage of this great opportunity!

To apply for an auto loan or to discuss all of your options with our lending experts,  Click Here to apply now. If you aren't a member, click here to open your account  today.


* APR= Annual Percentage Rate.At 1.90% APR, your monthly payments are just $17.50 per $1,000 borrowed for 60 months. Discounted rate includes 0.50% reduction for checking account with Direct Deposit -OR- 0.25% reduction for automatic payment & 0.25% reduction for Direct Deposit/Payroll Deduction (maximum 0.50% total rate discount per loan). 100% Loan-to-Value on all cash-out refinances. Maximum mileage  All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary depending on credit profile, term, mileage, and the amount financed. Rates and terms are subject to change without notice.

**Qualifying member may select to defer their first payment for up to 90 days from the loan funding date. Interest will accrue during deferral period. Minimum FICO score 650. Subject to credit approval. Cannot be combined with other offers.


Need Some Extra Dough for the Holidays?


Take Advantage these Three Holiday VISA Specials!

  • 2.99% APR
  • Double Reward Points
  • Skip your December Payment

2.99% APR Holiday Promotion 

Take advantage of our low Visa Credit Card holiday promotional rates starting as low as 2.99% APR¹ on all retail purchases made between November 15th, 2014 and December 31st, 2014!
No need to register your card, all current and new cardholders will receive these promotional rates!
Following this promotion, standard rates as low as 11.96% APR².
Your LA Financial Visa Credit Card or Havasu Community Credit Union VISA Card is the ideal way to pay for all of your holiday expenses!
  • No annual fee.
  • 25 day grace period.
  • Simplify your everyday spending and forget the hassles of cash and checks.
  • 24/7 anytimeBanking access to check balances, look up transactions, and make payments.
  • Receive protection against fraud with the Visa Zero Liability policy. If your card is ever lost or stolen, you're not responsible for purchases you did not make.
  • Enjoy worldwide acceptance. You can use your card at millions of places, including online and over the phone.
  • Access to more than 562,000 ATMs worldwide.
¹Actual rates are based on your creditworthiness. Promotional Rates 2.99% APR and will apply to purchases made between November 15, 2014 and December 31, 2014. ²Standard Rates range from 11.96% APR to 14.96% APR and will apply beginning with your July 2015 statement cycle. Payments will be applied to lowest APR first. Rates are fixed. All loans are subject to credit approval. Fees include a $25 late payment fee, $5 statement copy fee, $20 returned convenience check fee and a foreign transaction fee of up to 1%, in U.S. Dollars, for certain international transactions.


Get Double Reward Points on all Purchases during the Holidays (VISA Platinum Rewards)

Get a little something more this holiday season when you use your LA Financial Credit Union or Havasu Community Credit Union Visa® Platinum Rewards Credit Card for your shopping, travel, dining and entertainment. Between November 15 and December 31, 2014, you'll earn Double Reward Points each time you make an eligible purchase. And, redeem your points at the end of the holiday season and give yourself, or someone else, a gift with your well-earned rewards:
  • Shop Merchandise - Get the goods. Shop retail items, including name brands, from our extensive catalog. With a range of electronics, household items, accessories and more, you'll find just the right way to redeem your rewards.

  • Book Travel - Redeem your points for airline award flights to your favorite destinations. Use points for cruise and vacation discounts with our Dollars-Off program. Or get a free car rental for that road trip you've been meaning to take 

Skip a Payment

The skip your Visa payment program allows you to skip payment(s) on all of your qualified Visa accounts.  Use the extra cash to pay other bills or take that much needed vacation.  With the skip your Visa payment program you get to keep your cash when you need it most and use it for whatever you want!   If you qualify, you will be notified on your VISA statement.

To qualify members must have a minimum current balance of $500 and less than 100% of credit line utilization, be current and otherwise in good standing. Other qualifications mat apply.  Interest will continue to accrue. 

 If you do not not already have a LA Financial Credit Union or Havasu Community Credit Union VISA card, you can apply by clicking here.

Rev Up the New Year with a New or Used Auto Loan at 1.90%APR*

“Gentlemen and ladies, start your engines”… with a New or Used LA Financial Vehicle Loan as low as 1.90% APR with up to 60-month terms… and up to 100% financing.

In short, we can put you on the inside track when it comes to saving on a new car. At 1.90% APR, your monthly payments are just $17.50 per $1,000 borrowed for 60 months.

Drive into the new year with one of the best loan rates on the road. Use our exceptional rates and terms to downshift the cost of any new car or pre-owned car, truck or minivan, or to refinance your current vehicle financed at another lender.

Just apply online or call 800.894.1200 to get pre-approved today, so you can bargain with the power of “cash in hand.”

* APR= Annual Percentage Rate. Based on 100% of purchase price plus tax and license on dealer purchase. Private party purchase requires DMV paperwork and 100% retail Kelley Blue Book price. Available on approved credit. Must qualify for loan under LA Financial Credit Union guidelines, including age and value of auto. Annual Percentage Rate (APR) may vary according to length of term, age of vehicle and your credit worthiness. As low as 1.90% APR for 60 months on new or used autos, light trucks, and motorcycles includes 0.50% reduction for checking account with Direct Deposit –OR- 0.25% reduction for automatic payment and 0.25% reduction for Direct Deposit/Payroll Deduction – maximum rate reduction is 0.50%. Based on 100% of purchase price for new cars; 100% of Kelley Blue Book retail price for used cars.


Up to 90% Financing on HELOCs Available

If you’ve been wanting to set up a Home Equity Line of Credit (HELOC), but feared that, due to the last downturn in real estate prices, you didn’t have enough equity to qualify, we have exciting news for you... LA Financial now offers our exceptional HELOCs with a combined loan-to-value ratio as high as 90%. So you can tap more of your equity — from $10,000 to $250,000 — and qualify more easily, too.

Of course, you’ll still enjoy all the advantages of our superior Home Equity Lines:

  • Rates as low as 3.25% APR*
  • NO Points
  • Your payment is just 1.25% of your actual balance at the end of each cycle month.
  • And, your interest may be tax deductible**

Apply online, in person, or by phone and start making some of your big dreams a reality.

*APR= Annual Percentage Rate. **Consult with your tax advisor; interest may be deductible up to $100,000. No Annual Fee. Payment amount $12.50 per $1,000 borrowed. Minimum loan amount $10,000.00; maximum loan amount $250,000.00. Maximum CLTV 90%. Minimum floor rate 3.250%; Maximum cap rate 18.000%. Applicant’s rate may be higher and CLTV may be lower depending on credit rating. Rates quoted are for owner-occupied transactions secured by a Single Family Residence, LTV 90% and below. We will not subordinate to a negative amortization or interest-only loan. Rate is variable, and is based on the Prime Rate Index currently at 3.250% as published in the Wall Street Journal on December 31, 2012, and is subject to change after consummation. Other conditions and restrictions may apply. Fees for owner-occupied dwellings include: appraisal fee, document preparation fee, flood certification fee, recording fee, and title charges. Additional fees may apply.


Introducing Visa Platinum Rewards

Finally, you can have it ALL…at least, in a credit card. LA Financial has augmented its low-cost, high-limit Platinum VISA to include one of the most impressive reward programs in the credit card industry.

Finally, you can have it ALL…at least, in a credit card. LA Financial has augmented its low-cost, high-limit Platinum VISA to include one of the most impressive reward programs in the credit card industry.

Better still, these rewards are simply the icing on the cake, topping such benefits as:

  • A fixed rate of 11.96% APR
  • No annual fee
  • No cash advance fee
  • And a 25-day grace period for purchases
  • Plus $500,000 travel insurance

Clearly, our VISA Platinum Rewards card should be your first choice whenever you pay by credit. If you don’t yet have this card, call 800.894.1200 or apply online and start earning your rewards now. Once you have a card, go to to register for your rewards!

Foreign transaction fee up to 1%; $25 late payment fee; and $20 returned payment fee. Terms, features, programs, and conditions subject to change.


LA Financial Credit Union is an Equal Opportunity Lender.

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Disclaimer: LA Financial Credit Union is not responsible for the privacy practices or the content of web sites which we may provide a link to. While all efforts are made to maintain the accuracy of information presented on the LA Financial Credit Union web site, we cannot guarantee that all information is current. Please contact the Credit Union call center directly for the most current information at 800.894.1200.