VEHICLE and Recreational Vehicle LOANS
Love Your Car and Your Payments
With our competitive rates, we could save you money every month, whether you are buying something new or refinancing the ride you currently own.
Vehicle Loans that Fit Your Budget
We provide financing for almost any vehicle from cars and trucks, tractors, motorcycles or RVs, to ATVs, boats and other watercraft
- Fast Pre-Approval – sign everything electronically
- Flexible Terms up to 96-month
- Roll the tax, tags, title, & loan payment protection costs into the loan
- Annual Skip-A-Pay Option2
- Low Cost insurance options and extended warranties
Drive Off with a Lower Payment
We make refinancing easy. Refinance your auto loan from another financial institution and make no payments for 45 days3.
Refinance TodayGet Behind the Wheel of Your First New Car
First-time car-buying members can purchase a new or used auto loan through Labor CU.
- Loan amounts up to $20,000
- Flexible terms up to 72 months
- Skip-A-Pay available up to twice a year3
- Easy online and mobile payments
We make qualifying easy. You just need to be 18 years or older and have a minimum of one year with your current employer. We understand you may have limited credit, as long as you don’t have a previous auto loan or significant derogatory credit, we will do our best to work with you.
- Payment to income cannot exceed 15%
- Maximum LTV 90%
All accounts of obligor must be in good standing to receive incentive. Annual Percentage Rate (APR) ranges between 4.74% – 11.75% based on credit. Your rate and payment may vary. Approvals based on credit performance, employment history and vehicle condition. Eligible model years 2016-2025, maximum LTV restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Collateral insurance required for life of loan. Other restrictions may apply. Labor CU reserves the right to end this program at any time and terms are subject to change without notice. Contact us for details. Equal Opportunity Lender.
GAP helps protect borrowers from financial hardship by covering the difference between their remaining auto loan balance and the insurance payout in the event of a total loss or theft. It may also cover up to $1,000 of the deductible, reducing out-of-pocket costs.
GAP Advantage goes further by offering an additional $1,000 toward financing a replacement vehicle when a new loan is secured within 90 days of the loss. Together, GAP and GAP Advantage provide peace of mind and financial relief, ensuring borrowers can recover quickly after an unexpected loss.
Contact Our Lending Team to Learn More
Depreciation Protection locks in a vehicle’s value at loan origination, protecting the borrower’s equity. In the event of a total loss, this coverage helps ensure they receive a payout that reflects the original value, not just the depreciated amount.
Labor Credit Union offers Route 66 Extended Warranty plans to keep you covered beyond the manufacturer’s warranty. Choose from Easy Street for comprehensive coverage, Main Street for major systems, or First Street for drivetrain protection—no matter your vehicle’s age or mileage.
With zero deductibles, 24/7 emergency roadside assistance, and a hassle-free claims process, Route 66 ensures peace of mind on every drive. Plus, enjoy a 30-day free look period to decide if it’s right for you. Stay protected and keep moving with Route 66 from Labor Credit Union!
Click here for a detailed e-brochure. Haz clic aquí para la versión en español.
Auto Essentials® is a bundled coverage plan that protects against everyday driving incidents not covered by insurance or warranties. It includes key replacement, tire and wheel protection, paintless dent repair, windshield repair, and 24/7 roadside assistance—keeping drivers prepared for the unexpected.
With flexible terms up to seven years, no deductibles, and unlimited claims, Auto Essentials® ensures peace of mind on the road. Whether it’s a lost key, a flat tire, or minor dents, this plan minimizes out-of-pocket costs and keeps vehicles looking and performing their best.
Contact Our Lending Team to Learn More
Members: Thanks for sharing Labor Credit Union financing stories:
I wanted to express my thanks to the great processing team starting with Bryan Payne and ending with Ebony Manigo. The expertise, the directives, and the kindness shown to me during the entire refinance process were very professional and effective. All of my questions were answered promptly and more importantly, the team ensured that they followed up in keeping me involved during the entire process…I feel that this institution continues its best by providing great customer service. – Lilian and Gregory
¹Annual Percentage Rate (APR) ranges based on credit. For borrowers with excellent credit a 60-month vehicle loan of $20,000 at 4.74% APR would have 60 monthly payments of $375. Your rate and payment may vary. Approvals based on credit and vehicle condition. Refi’s mirror term and cosigners of current loan. Eligible model years 2015-2023, maximum LTV restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Collateral insurance required for life of loan. Labor CU auto loans ineligible for offer. Other restrictions may apply. Labor CU reserves the right to end this program at any time and terms are subject to change without notice. Contact us for details. Equal Opportunity Lender.
² Skip-A-Pay (SAP) is an optional consumer loan program to defer one monthly payment for a fee, currently $30 for online skipped payment or $30 for employee assisted skipped payment. Loans must be open for at least 1 year and be current to be eligible for SAP. Other SAP qualifications apply. Interest accrues during and after payment deferral at loan contract rate. Deferring payment(s) results in higher finance charges and extension of loan term. Payments must be resumed the month following a skipped payment. LCU has the right to limit the number of skips per loan. SAP program terms and conditions subject to change at any time.
3Not all members will qualify for 45-Day payment deferment. Interest will continue to accrue for the entire payment deferment period. Deferred payments may not exceed 45 days. Contact us for details. Equal Opportunity Lender.