Auto Loans – LBS Financial

Competitive rates
Discounts for automated payments
Up to 100% financing for new and used autos*
Transfer a loan to us and lower your payments

View Rates

Monthly Payment

Loan Amount

Rate

Loan Term in Months

36 48 66 75 84

The One That’s Right for You

Owning the perfect car for your needs is important, but so is selecting the right loan. We know you have places to go, so we’ll help you get an auto loan with rates and payments to fit your life. At LBS Financial, we want you to win at car ownership.

Let us Help You Shop

Not sure where to begin? We have three great partners to help you find a car:

Research new or pre-owned cars online through LBS Financial AutoSMART and finance with us at the dealer.
Use our Surrogate Auto Shopper, Denise Gediman, to help you find your new car—and save 1/4% off your rate. Just call 800.339.9034 or email her with the type of car you are searching for to dgediman@lbsfcu.org (do not include personal information).
Find certified pre-owned cars through our partner, Enterprise Car Sales.

Apply Now

Related Resources

Debt Protection
Learn More
Mechanical Breakdown Coverage
Learn More
GAP
Learn More
Verify Insurance
Learn More

FAQs

How is my loan rate determined?

When LBS Financial obtains your credit score during the pre-approval process, the Credit Union will determine your loan rate based on your past financial history and credit. Take note that the Credit Union must obtain your credit report personally; they will not accept copies of credit reports from third parties.

What are the steps I need to take to get a loan?

Fill out an online application, or come see us at any branch.

How long does it take to get an answer on my loan request?

We process most applications within one business day. Applications received over the weekend or holidays are processed the next business day. You may check your status by calling us.

What happens when I pay off my loan?

LBS Financial will release the lien and the DMV will print and mail the title to the last known address of the person with the loan.

Do my loan payment habits affect my credit score?

Yes. On time payments mean a higher credit score. LBS Financial reports borrower, co-borrowers, guarantors, and co-signers payment habits to all three major credit bureaus: Experian, Equifax and TransUnion.

How do I make a payment?

You have options. You can use our Mobile or Online Banking services to pay from one of your accounts at LBS Financial. Use Mobile Deposit within Mobile Banking to take a picture of a check from your other financial institution and apply to your loan payment here. You can also transfer money from another financial institution using LBS Autopay or a number of Bill Pay services from other financial institutions. Mail us a payment or call and pay by phone, just keep in mind there are fees for paying by phone.

How do I get pre-approved?

For a loan pre-approval good for up to 60 days, apply online, visit any branch, or give us a call.

Disclosures

*Subject to credit approval

All Rates

Rates Effective as of: 11-21-2024 (PST)

Autos, Trucks and Vans (New & Used)

Term

New* - Rate Range APR**

Used* - Rate Range APR**

Payment per $1,000 Borrowed

36 months

2.75%-18.00%

3.20%-18.00%

$12.34 - $23.45

48 months

2.75%-18.00%

3.20%-18.00%

$12.34 - $23.45

66 months

3.00%-18.00%

3.45%-18.00%

$12.34 - $23.45

72 months

3.00%-18.00%

3.45%-18.00%

$12.34 - $23.45

84 months***

3.49%-18.00%

3.85%-18.00%

$12.34 - $23.45

Disclosures

*New auto years 2022 or newer and used autos are for model years 2015 to 2021. See separate rates for autos, trucks, and vans older than 2014. New and used auto rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account . New auto rates also reflect a 0.15% discount for a new auto purchase (2021 or newer) through the Surrogate Auto Shopper. New or used vehicle loan amount may not exceed 100% MSRP including taxes plus and license, PLUS warranty up to $2,500 for 2 wheel drive and $3,000 for 4 wheel drive, GAP up to $1,000 and pre-paid maintenance up to $1000. Some restrictions apply. A loan at 3.00% APR for 66 months will have a monthly payment of $16.45 per $1,000 borrowed or a $329.10 monthly payment based on an amount financed of $20,000.

***APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers.

*** $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2015 and newer of $20,000 or more and for FICO scores of 625+.

Rates Effective as of: 11-21-2024 (PST)

Debt Protection

Help Protect your Family Against the Unexpected

LBS Financial Debt Protection

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances. Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. It’s easy to apply for LBS Financial Debt Protection. It’s voluntary and won’t affect your loan approval.

Call LBS Financial Credit Union at 800.527.3328 and ask about protecting your loan today.

Mechanical Breakdown

Mechanical Breakdown Insurance

Statistics show that 80% of all repairs come after your factory warranty has expired. MBI goes beyond your vehicle warranty, usually for a lot less cost than a dealer extended warranty.

Superior Coverage
Top-of-the-line named exclusion coverage insured by ‘A’ Best Rated American Mercury Insurance group that will save you hundreds of dollars over comparable manufacturer’s vehicle service contracts
Simple Claims Procedure
Your vehicle may be serviced at any licensed repair facility in the United States or Canada, with prior approval
60-day Money Back Guarantee
You may cancel anytime during the first 60 days, contingent on a claim not being filed, and get 100% refund
Easy Payments
100% of the cost may be included in your LBS Financial auto loan
Increased Re-sale Value
The coverage may be transferred to a new private owner or may be cancelled and a prorated refund requested

Plans are available for new and used vehicles. Extra services available include: vehicle rental, towing and trip interruption. Contact us at 800.527.3328, ext 5261 for more information on purchasing MBI.

Guaranteed Asset Protection

Guaranteed Asset Protection (GAP)

During the first few years that you own your vehicle, the loan balance can be higher than the actual value of your vehicle, as a result of depreciation. As your vehicle’s value declines, your loan balance can be significantly higher. If your vehicle is stolen, or totaled in an accident, you would be liable to pay the difference between your insurance settlement and your outstanding loan balance. GAP Advantage covers the difference (or “gap”) between what you owe on the vehicle and what it is worth.

GAP Advantage covers the difference between the market value of your vehicle and the loan balance, less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges

In the event a deficiency exists, our program will cover your insurance deductible up to $1,000*

For Example:

Your vehicle’s actual cash value	$13,000
Less your deductible	$1,000
Insurance settlement	$12,000
Loan balance after one year	$15,000
Insurance Settlement	$12,000
GAP Advantage Pays	$3,000

Without GAP Advantage coverage, you would be required to pay this $3,000 in order to pay off your loan balance.

GAP Advantage is a loan deficiency waiver and is not offered as insurance coverage. Contact the Credit Union at 800.527.3328 for more information about purchasing GAP Advantage.

*With GAP Advantage, an additional $1,000 benefit is provided when the following conditions are met:

Your primary insurance does not pay off your original loan
You return to LBS Financial Credit Union for a vehicle replacement loan
LBS Financial Credit Union approves your new loan

Important Disclosures Regarding the Program (1) This product is optional. GAP Advantage is a loan/ lease deficiency waiver and is not offered as insurance coverage. Whether or not you purchase GAP Advantage will not affect your application for credit or the terms of any existing credit agreement you have with us. (2) We will give you additional information before you are required to pay for the program. This information will include your cost and a copy of the contract, containing the terms and conditions of the program. (3) There are eligibility requirements, conditions, limitations and exclusions that could prevent you from receiving benefits under the program. You should carefully read the GAP Waiver Addendum for a full explanation of the terms and conditions of the program.

Here to help you get on the road

Check out our Auto Loan Rates

The One That’s Right for You

Let us Help You Shop

Let's get going on your car loan.

Related Resources

FAQs

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LBS Financial Holiday Closures

LBS Financial Holiday Closures

All Rates

Autos, Trucks and Vans (New & Used)

Debt Protection

Help Protect your Family Against the Unexpected

Mechanical Breakdown

Mechanical Breakdown Insurance

Guaranteed Asset Protection

Guaranteed Asset Protection (GAP)