Save money each month by refinancing your car or home today

    Auto

    Refinance your existing car or get pre-approved for a car loan with no payment for up to 90 days

    white jeep on california trail

    For autos loans we offer:

    • Refinanced vehicle loans as low as 2.99% APR1
    • Up to 115% financing on approved credit
    • Up to 90 days with no payment2
    Get an auto loan

    Check out our new and used rates for:

    • Autos & Light Trucks
    • Motorcycles
    • RVs & ATVs
    • Boats & Personal Watercrafts
    Let me see rates

    Home

    Take advantage of historically low mortgage rates and refinance your home

    Blue House

    Here are some examples of the loan options we can help you consider:

    LA Financial Credit Union NMLS#: 556326

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    Refer a friend for a vehicle loan and you'll each get $50. Click to learn more.

    1APR= Annual Percentage Rate. As an example, at 2.99% APR, your monthly payments are just $17.99 per $1,000 borrowed for 60 months. Discounted rate includes 0.25% reduction for automatic payment from LA Financial Credit Union account. Up to 115% Loan-to-Value financing on used auto loans on approved credit. Up to 100% Loan-to-Value applies on all cash-out refinances. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply. Loan approval subject to credit and income evaluation and LTV or Loan-to-Value. Consumer loan rates may vary depending on credit profile, term, mileage, and the amount financed. Rates and terms are subject to change without notice.

    2Qualifying member may select to defer their first payment for up to 90 days from the loan funding date. Interest will accrue during deferral period. Subject to credit approval.

    3APR= Annual Percentage Rate. CLTV= Combined Loan to Value

    4Home Equity Line of Credit (HELOC) intro rate of 1.99% APR for 6 months (up to 80% CLTV). All HELOC loans offer a 5 year draw period followed by a 10 year repayment period. The minimum monthly payment during the 5 year draw period is 1.25% of the outstanding balance or $100.00, whichever is greater. Minimum draw amount per draw is $500. As an example, an outstanding balance of $10,000 @ 1.25% = $125 payment. After the 5 year draw period the loan balance is payable over a 10 year period. At the current HELOC variable APR of 3.250% your payments are just $12.50 per $1,000 for 120 months. All rates are quoted on approved credit as Annual Percentage Rates (APRs). Loan approval is subject to credit, income and property valuation. All HELOCs are variable rate loans and rates are subject to change daily and without further notice. The maximum rate ceiling is 18.00%. Loan closing fees and costs range from $1,084.50-$1,967.50. Property insurance will be required. Promotion offered for a limited time and may be discontinued at any time.