Lower Your Monthly Car Payment

Refinance your car loan

If we can’t lower your current car payment, we’ll give you $501!

    3 Simple Steps to Lower Your Monthly Car Payment:
    1. Click here to fill out an application or call 1-800-894-1200 x1884  to get started.
    2. Be sure to mention that you heard us on the Radio when applying.
      • When applying online, select the ‘Radio’ option when answering, ‘How Did You Hear About Us?’ 
      • Or when calling to apply, tell a representative you heard our ad on the radio.
    3. That’s it! We’ll lower your monthly car payment or you’ll get $501.
    More ways you benefit from refinancing your car loan:
    • Up to 90 days with no payment2
    • Up to 115% financing on approved credit
    • Refinanced vehicle loans as low as 2.49% APR3
    Refinance your car loan
    Check out our used vehicle rates for:
    • Autos & Light Trucks
    • Motorcycles
    • RVs & ATVs
    • Boats & Personal Watercrafts

    See our current rates

    1 Offer is eligible on vehicle refinances with a minimum loan amount of $10,000. Not valid on existing LA Financial vehicle loans. If LA Financial Credit Union (LAFCU) cannot lower the monthly payment of the loan applicant’s current vehicle loan from another lender, the promotional amount of $50 will be sent via USPS mail to the loan applicant within 45 days. This $50 promotion is only eligible if LAFCU cannot lower the loan applicant’s current monthly payment. The $50 promotional amount will not be eligible for loan applicants who do not accept the new terms and rates that correspond with the newly refinanced loan offer. A longer term may apply in order to lower the current payment. Limit one (1) $50 promotional amount per applicant. This promotion is available for a limited time only and may be discontinued at any time. A $50 promotional amount will only be eligible to the loan applicant if the radio promotion is mentioned during the initial loan application and if LAFCU is subsequently unable to lower the applicant’s current monthly payment on their current vehicle loan. Applicant must be 18 years or older to qualify. Applicant’s personal information will not be shared for purposes other than for this transaction.

    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. Subject to credit approval.

    APR = Annual Percentage Rate. As an example, at 2.49% APR, your monthly payments are just $17.77 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.