Get a Credit Union Car Loan

Refinance Now: Bring your car loan to Lanco FCU for 1.00% off your current rate*

Competitive rates for your vehicle loan

Finance your new or used car, truck, or motorcycle

Lanco FCU offers affordable borrowing options for vehicles model years 1996 and newer. Pre-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. Learn more about auto loans.

Apply for your loan online

Rates displayed below are the APR (Annual Percentage Rate) and are accurate as of 11/2/2020.
Rates are subject to change at any time.
Credit Score refers to TransUnion Credit Score.

Automobile and Motorcycle Loan Rates

Maximum Loan Term APR (based on Credit Score)
750 700–749 660–699 620–659 Under 620
Model Years 2014-2020
36 Months 2.49% 3.49% 4.49% 7.49% 10.49%
48 Months 3.49% 4.49% 5.49% 8.49% 11.49%
60 Months 3.49% 4.49% 5.49% 8.49% 11.49%
72 Months 4.24% 5.24% 6.24% 9.24% 12.24%
84 Months 4.99% 5.99% 6.99% 9.99% 12.99%
Model Years 2008-2013
36 Months 4.49% 5.49% 6.49% 9.49% 12.49%
60 Months 5.49% 6.49% 7.49% 10.49% 13.49%
Model Years 1996-2007
60 Months 7.99% 8.99% 10.99% 14.99% 16.99%

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.

Terms Available

Vehicle Year Amount Borrowed Maximum Loan Term Available
1996–2020 Any 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

Payment example: An auto loan of $20,000 with a 6-year term at 4.49% APR would require 72 monthly payments of $317.39.

Recreational/Utility Vehicle Loan Terms & Rates

Call (717) 569-7180 for current rates and terms.

Apply online for your auto loan