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. Learn more about how to finance a car.

Buying New or Used:

Lanco FCU offers financing for vehicles model years 1997 and newer. Approvals are typically made within 2 business days and are valid for 60 days. You can apply online or in person at any Lanco FCU branch. Call (717) 569-7180 to schedule an appointment.

Current Rates    Apply Online


As you’re working toward paying off your automobile loan, there are many reasons why you might want to refinance your loan:

  • Lower Your Interest Rate
  • Lower Your Monthly Payment
  • Simplify Your Finances

There’s no refinance fee when you bring your auto loan from another bank or credit union. And, if your current rate is lower than our advertised rates, Rate Match may be available.

Learn more about refinancing

How much can I borrow?

The maximum amount you can borrow to finance a vehicle depends on the model year, vehicle value, and borrower qualifications. Generally, the loan maximums are:

Model Year Auto Loan Maximum
2015–2021 Up to 110% NADA Retail Value or MSRP
2009–2014 Up to 100% NADA Retail Value
1997–2008 Up to 90% NADA Retail Value

Visit the NADA Guides website to look up vehicle values.

What if I have 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.

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.

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.

Lanco FCU Debt Protection

Lanco Debt Protection is a voluntary loan-payment protection product that could help you get relief from loan payments 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.