Automobile Loans

A couple driving in car

Great rates & affordable monthly payments for your new or used vehicle

Just as you’re looking for a deal when shopping for a vehicle, it’s also important that you get a good deal on financing. Lanco FCU offers affordable financing for new or used cars, trucks, SUVs, and motorcycles. With our competitive interest rates and terms up to 7 years, you’ll get a low monthly payment that works for your budget.

Even if you already have the car, Lanco FCU can refinance your current auto loan so you can start saving money today.

Apply for a loan

Apply Online

Approvals are typically made within 2 business days and are valid for 30 days.
To apply at a Lanco branch, call (717) 569-7180 to schedule an appointment.

Current Rates & Available Terms

Buying New or Used:

  • Financing available for vehicles model years 2005 and newer
  • Borrow up to 110% of the vehicle’s MSRP or NADA retail value (Model years 2005-2010, borrow up to 100% of the vehicle’s value)
  • Pre-approvals valid for 30 days


  • No refinance fee when bringing your auto loan from another bank or credit union
  • If we don’t offer a better rate, Rate Match may be available

Other Vehicle Purchases:

If you are interested in financing the purchase of a recreational vehicle or classic car, please call us for information: (717) 569-7180 or (888) 318-4222.

Limited or no credit history?

When you don’t have enough credit history to get approved for a traditional loan, Lanco FCU’s First-Time Auto Buyer loan can help you get the financing you need to purchase a vehicle. This loan offers fair rates and terms and is a great way to start establishing credit history. Call (717) 569-7180 for more information.

Add optional protection for you and your vehicle

Guaranteed Asset Protection Plus (GAP Plus)

In the event that your car is stolen or totaled, GAP Plus covers the difference between the amount of your primary insurance settlement and the amount you owe on your loan. This coverage is highly suggested for borrowers financing more than 80% of the vehicle’s value. Learn more about GAP Plus.

Mechanical Repair Coverage

Not all extended car warranties and vehicle service contracts are created equal. Some offer more coverage, better terms, and additional benefits – like MEMBER’S CHOICE® Mechanical Repair Coverage. Choose one of our plans and exceptional service is included! Learn more about Mechanical Repair Coverage.

Lanco FCU Debt Protection

Lanco Debt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process. Protected events include loss of life, disability, and involuntary unemployment. Learn more about Lanco FCU Debt Protection.

Save on Car Insurance. Get a quote.

Insurance built for credit union members like you

Receive discounted auto insurance through Lanco FCU’s partnership with TruStage. Learn more and get a quote.