New & Used Auto Loan Rates

Limited Time Special Offer: Save 1.00% APR or more when you bring your auto loan to Lanco FCU

Competitive rates for your vehicle loan

Finance your new or used car, truck, SUV, or motorcycle with an auto loan from Lanco Federal Credit Union. Learn more about auto loans.

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Rates displayed below are the APR (Annual Percentage Rate) and are accurate as of 10/22/2018. 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 2012-2018
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 4.49% 5.49% 6.49% 9.49% 12.49%
84 Months 5.99% 6.99% 7.99% 10.99% 13.99%
Model Years 2006-2011
36 Months 4.49% 5.49% 6.49% 9.49% 12.49%
48 Months 5.49% 6.49% 7.49% 10.49% 13.49%
Model Years 1994-2005
60 Months 8.99% 9.99% 11.99% 15.99% 17.99%

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
1994–2018 Any amount + 36 Months
1994–2018 $5,000 + 48 Months*
2012–2018 $10,000 + 60 Months
2012–2018 $20,000 + 72 Months
2012–2018 $25,000 + 84 Months

*Maximum term of 60 months available for vehicles years 1994-2005 when financing $5,000 or more.

Recreational/Utility Vehicle Loan Terms & Rates

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