Auto Loan Refinancing

No car payments for 90 days*

Why Refinance Your Vehicle Loan?

As you’re working toward paying off your automobile loan, there are many reasons why you might want to refinance your loan. Click on the benefits highlighted below to learn more:

Lower Your Interest Rate

Lower Your Monthly Payment

No Payments for 90 Days

How to Apply


Apply for your loan online in about 10 minutes, and you will receive a decision within 2 business days.

Please have the following information available for each borrower on the loan:

  • Social Security number
  • Valid Photo Identification
  • Date of Birth
  • Physical Address

Apply for my auto loan

In Person

In-person applications are currently not available, as Lanco FCU lobbies are closed during the Coronavirus outbreak. Please call us at (717) 569-7180 or (888) 318-4222 if you have any questions or would like to speak with a lender before applying online.

Current Car Loan Rates*

Automobile and Motorcycle Loan Rates

Maximum Loan TermAPR (based on Credit Score)
750700–749660–699620–659Under 620
Model Years 2014-2020
36 Months2.49%3.49%4.49%7.49%10.49%
48 Months3.49%4.49%5.49%8.49%11.49%
60 Months3.49%4.49%5.49%8.49%11.49%
72 Months4.49%5.49%6.49%9.49%12.49%
84 Months5.49%6.49%7.49%10.49%13.49%
Model Years 2008-2013
36 Months4.49%5.49%6.49%9.49%12.49%
60 Months5.49%6.49%7.49%10.49%13.49%
Model Years 1996-2007
60 Months8.49%9.49%11.49%15.49%17.49%

Terms Available

Vehicle YearAmount Borrowed Maximum Loan Term Available
1996–2020Any amount +36 Months
1996–2013$5,000 +60 Months
2014–2020$5,000 +48 Months
2014–2020$10,000 +60 Months
2014–2020$20,000 +72 Months
2014–2020$25,000 +84 Months

Apply for your loan online

*Advertised rates are accurate as of 7/27/2020 and are available for members meeting standard credit criteria. Maximum loan amount is determined by vehicle age, vehicle value, and borrower qualifications. Payment example: A $10,000 loan at 2.49% APR would require 36 monthly payments of $288.58. A 90-day deferral of the first payment is an option available to qualified borrowers with a minimum credit score of 660. With deferral, the first payment due date will be 91 days after loan signing. Without deferral, the first payment will be due 45 days after loan signing. Deferring a payment will delay the payoff of your loan and result in additional finance charges if you only make minimum payments. You need to make up the deferred payments. The 90-day deferral option is subject to change at any time; restrictions apply. Speak with a Lanco FCU lender for details.