Auto Loans

Finance a new or used car or truck with members-only auto loan rates and flexible terms.

Auto Loan Discount

    Overview

    Receive 0.25% off posted rates* for new and used auto loans. 

    *Requires automatic loan payment from an active LUSO checking account. Offer excludes existing LUSO auto, truck, and motorcycle loans. 

    New Auto/Truck Loan: 2023 or Newer

      Overview

      Own the brand new vehicle of your choice. Member benefits include:

      • $1,000 minimum loan
      • One- to seven-year loan terms
      • Up to 100% MSRP financing
      • $95 processing fee

      View Rates

      As of 5/25/2024

      Minimum LoanTermRates as low as*APR*Maximum FinancingPayment per $1,000 borrowed
      $1,0001-Year5.490%8.655%Up to 100% MSRP$85.83
      $1,0002-Year5.490%7.150%Up to 100% MSRP$44.09
      $1,0003-Year5.990%7.125%Up to 100% MSRP$30.42
      $1,0004-Year5.990%6.856%Up to 100% MSRP$23.48
      $1,0005-Year6.490%7.196%Up to 100% MSRP$19.56
      $1,0006-Year7.490%8.094%Up to 100% MSRP$17.29
      $1,0007-Year8.490%9.101%Up to 100% MSRP$15.83

      *Rates and Annual Percentage Rates. APR: Annual Percentage Rate is based on a $10,000 loan amount, unless otherwise noted.

      REQUIRED – $75.00 VSI insurance fee on all vehicle loans; $100.00 VSI insurance fee on commercial vehicle loans.

      Business vehicle annual percentage rates are available upon request.

      GAP Insurance available.

      Used Auto/Truck Loan: 2021 – 2022

        Overview

        Purchase a vehicle from the past two years. Member benefits include:

        • $1,000 minimum loan
        • One- to six-year loan terms
        • Up to 100% NADA financing
        • $95 processing fee

        View Rates

        As of 5/25/2024

        Minimum LoanTermRates as low as*APR*Maximum FinancingPayment per $1,000 borrowed
        $1,0001-Year5.990%9.158%100% NADA Retail$86.06
        $1,0002-Year5.990%7.654%100% NADA Retail$44.32
        $1,0003-Year6.490%7.629%100% NADA Retail$30.64
        $1,0004-Year6.490%7.360%100% NADA Retail$23.71
        $1,0005-Year6.990%7.700%100% NADA Retail$19.56
        $1,0006-Year7.490%8.094%100% NADA Retail$17.29

        *Rates and Annual Percentage Rates. APR: Annual Percentage Rate is based on a $10,000 loan amount, unless otherwise noted.

        REQUIRED – $75.00 VSI insurance fee on all vehicle loans; $100.00 VSI insurance fee on commercial vehicle loans.

        Business vehicle annual percentage rates are available upon request.

        GAP Insurance available.

        Used Auto/Truck Loan: 2019 – 2020

          Overview

          Purchase a vehicle from the past two years. Member benefits include:

          • $1,000 minimum loan
          • One- to five-year loan terms
          • Up to 100% NADA financing
          • $95 processing fee

          View Rates

          As of 5/25/2024

          Minimum LoanTermRates as low as*APR*Maximum FinancingPayment per $1,000 borrowed
          $1,0001-Year6.490%9.662%100% NADA Retail$86.29
          $1,0002-Year6.490%8.157%100% NADA Retail$44.54
          $1,0003-Year6.990%8.132%100% NADA Retail$30.87
          $1,0004-Year6.990%7.863%100% NADA Retail$23.94
          $1,0005-Year7.490%8.203%100% NADA Retail$20.03

          *Rates and Annual Percentage Rates. APR: Annual Percentage Rate is based on a $10,000 loan amount, unless otherwise noted.

          REQUIRED – $75.00 VSI insurance fee on all vehicle loans; $100.00 VSI insurance fee on commercial vehicle loans.

          Business vehicle annual percentage rates are available upon request.

          GAP Insurance available.

          Used Auto/Truck Loans: 2014 – 2018

            Overview

            Purchase a vehicle from the past two years. Member benefits include:

            • $1,000 minimum loan
            • One- to four-year loan terms
            • Up to 95% NADA financing
            • $95 processing fee

            View Rates

            As of 5/25/2024

            Minimum LoanTermRates as low as*APR*Maximum FinancingPayment per $1,000 borrowed
            $1,0001-Year7.490%10.670%95% NADA Retail$86.75
            $1,0002-Year7.490%9.164%95% NADA Retail$45.00
            $1,0003-Year7.990%9.139%95% NADA Retail$31.33
            $1,0004-Year8.490%9.373%90% NADA Retail$24.64

            *Rates and Annual Percentage Rates. APR: Annual Percentage Rate is based on a $10,000 loan amount, unless otherwise noted.

            REQUIRED – $75.00 VSI insurance fee on all vehicle loans; $100.00 VSI insurance fee on commercial vehicle loans.

            Business vehicle annual percentage rates are available upon request.

            GAP Insurance available.

            The Hybrid Go Green Vehicle Loan

              Overview

              Drive home happy with an electric or hybrid vehicle and enjoy these member benefits:
              Auto loan rate discount up to 0.25% APR* based on vehicle type and EPA designation at time of loan approval*

              *The U.S. Environmental Protection Agency (EPA) scores all vehicles based on calculated greenhouse gas emissions and fuel economy. The most environmentally friendly vehicles receive SmartWay or SmartWay Elite designation. Go Green offer excludes all other rate discounts.

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