Auto Loan Rates
All rates are quoted as Annual Percentage Rate (APR)* and are accurate as of February 1, 2012. Rates are subject to change without notice.
Autos, Trucks and Vans
New & Prior model year up to 15,000 miles
| Percentage financed | 36 Months as low as | 66 Months as low as | 72 Months as low as | 84 Months** as low as |
| 100% | 2.75% | 3.25% | 3.50% | 4.50% |
| 90% | 2.65% | 3.15% | 3.40% | 4.40% |
| 80% | 2.50% | 3.00% | 3.25% | 4.25% |
Pre-Owned Autos, Trucks and Vans
Model years 2007-2012 pre-owned vehicles
| Percentage financed | 36 Months as low as | 66 Months as low as | 72 Months as low as | 84 Months** as low as |
| 100% | 2.99% | 3.50% | 3.75% | 4.75% |
| 90% | 2.90% | 3.40% | 3.65% | 4.65% |
| 80% | 2.75% | 3.25% | 3.50% | 4.00% |
Model years 2006 and older pre-owned vehicles
| Percentage financed | Min amount Financed | Up to 48 Months as low as | Up to 66 Months as low as |
| up to 80%*** | $3,000 | 4.25% | 4.50% |
*Loan rate and percent financed is based on LBS Financial credit approval. All loan rates quoted as annual percentage rate (APR). All loans exclude add-on insurance.
Rate reflects a .25% discount for automatic transfer from an LBS Financial Checking or Savings account, a .25% discount for a new or used auto purchase (2007-2012) through one of our select auto buying services and a 2.00% Member Give Back Auto Loan Discount (only available through March 31, 2012). Member Give Back Auto Loan Discount and select auto buying services discount are not available on existing LBS Financial Credit Union auto loans or for motorcycles, boats, RVs, or other vehicles.
A loan at 3.00% APR for 60 months will have a monthly payment of $17.98 per $1,000 borrowed. New vehicle loan amount may not exceed 100% MSRP plus taxes,
license, warranty up to $2,000 for 2 wheel drive and $2,500 for 4 wheel drive and GAP up to $500. Used vehicle loan amount may not exceed 100% of retail Kelley Blue Book value plus taxes,
license, warranty up to $2,000 for 2 wheel drive and $2,500 for 4 wheel drive and GAP up to $500. Some restrictions apply.
** $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2007 and newer of $20,000 or more and for FICO scores of 625+.
***2006 and older pre-owned vehicles financed at 80% of Kelley Blue Book wholesale plus taxes, license and warranty.
