Get a Credit Union Car Loan
Competitive rates for your vehicle loan
Finance your new or used car, truck, or motorcycle
Lanco FCU offers affordable borrowing options for new and used vehicles. Pre-approvals are typically made within 2 business days and are valid for 30 days. You can apply online or in person at any Lanco FCU branch.
Automobile Loan Rates
Model Years 2020 & Newer
| Term | Loan Amount | APR* | Payment Example |
|---|---|---|---|
| Up to 36 months | Any amount | 4.99%–12.99% | A loan at 4.99% APR would require 36 monthly payments of $29.97 per $1,000 borrowed. |
| 37–48 months | $5,000+ | 5.74%–13.74% | A loan at 5.74% APR would require 48 monthly payments of $23.37 per $1,000 borrowed. |
| 49–60 months | $10,000+ | 5.74%–13.74% | A loan at 5.74% APR would require 60 monthly payments of $19.21 per $1,000 borrowed. |
| 61–72 months | $20,000+ | 6.24%–14.24% | A loan at 6.24% APR would require 72 monthly payments of $16.69 per $1,000 borrowed. |
| 73–84 months | $25,000+ | 6.74%–14.74% | A loan at 6.74% APR would require 84 monthly payments of $14.97 per $1,000 borrowed. |
Model Years 2014–2019
| Term | Loan Amount | APR* | Payment Example |
|---|---|---|---|
| Up to 36 months | Any amount | 6.99%–14.99% | A loan at 6.99% APR would require 36 monthly payments of $30.87 per $1,000 borrowed. |
| 37–60 months | $5,000+ | 7.74%–15.74% | A loan at 7.74% APR would require 60 monthly payments of $20.15 per $1,000 borrowed. |
Model Years 2002–2013
| Term | Loan Amount | APR* | Payment Example |
|---|---|---|---|
| Up to 36 months | Any amount | 9.24%–18.00% | A loan at 9.24% APR would require 36 monthly payments of $31.91 per $1,000 borrowed. |
| 37–60 months | $5,000+ | 9.24%–18.00% | A loan at 9.24% APR would require 60 monthly payments of $20.88 per $1,000 borrowed. |
*APR (Annual Percentage Rate) accurate as of 8/25/2025 and may change at any time. APR varies based on borrower credit score.
Maximum loan amount is determined by the vehicle age, vehicle value, and borrower qualifications. Rates advertised are available for members meeting standard credit criteria. If you have no credit history or bad credit history, you may qualify for a First-Time Auto Buyer loan or Second Chance auto loan. Call (717) 569-7180 to speak with a lender for details.