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Vehicle Loans

Vehicle loans 
designed for you

At LutheranFCU, we make financing your next vehicle simple and member-focused. Whether you’re shopping for a new or used car, refinancing your current ride, or looking for competitive rates and flexible terms, our vehicle loans are designed to help you hit the road with confidence. Apply online to get pre-approved and discover financing options that fit your budget and goals.

Auto-loans

At LutheranFCU, we make financing your next vehicle simple and member-focused. Whether you’re shopping for a new or used car, refinancing your current ride, or looking for competitive rates and flexible terms, our vehicle loans are designed to help you hit the road with confidence. Apply online to get pre-approved and discover financing options that fit your budget and goals.

Auto Loans


If you have just started shopping for a vehicle, you can apply online and get preapproved to determine the amount you may borrow. If you already have a vehicle and would like to refinance it for a lower payment or get cash out, we would love to assist with that as well!

 

Apply Now

New and Used Auto Loans

  • LutheranFCU works with auto dealers in all 50 states for purchases. No private party purchase transactions at this time.

  • Loans from $5,000.00 up to $90,000.00 are available.

  • Refinances also available.

  • Fixed monthly payments and no penalty for early payoff.

  • Competitive fixed-interest rates starting at 4.25% (4.316% APR)*.

  • Finance up to 125% of the J.D. Powers retail value subject to credit review.

  • Our online application takes less than 10 minutes to complete with quick decision response times.

  • Loans available for a vehicle up to ten (10) years old.

Is the auto you would like to purchase over 10 years old? Check out our Whatever Loan program to finance that purchase.

Motorcycle Loans


LutheranFCU offers loans up to 100% of the NADA retail value with approved credit for the purchase or refinance of motorcycles up to 6 years old. With fast response times, you can get your pre-approval and start shopping for your sweet ride!

 

Apply Now

It’s Time To Ride!

  • Loans from $5,000.00 to $30,000.00 are available.
  • Fixed-interest rates starting at 5.625% with a corresponding APR of 5.694%**.
  • Financing up to a 60-month term.
  • Up to 100% financing.
  • Refinances available too!

LutheranFCU Car Buying Service


Our Car Buying Service powered by TrueCar® provides a streamlined and hassle-free way to find, buy, and save on a new or used vehicle.

 

Check out our car
buying service

Details

  • Access to a nationwide network of participating dealerships offering established pricing.
  • Saves you time and money at the dealership.
  • Gives members the ability to research and see what other people in your area paid for a similar car.
  • Apply with LutheranFCU to get your preapproval letter.

Frequently asked questions about auto loans

When is the best time to apply for an auto loan?

We recommend applying as soon as you begin shopping for a vehicle.

Applying early helps you understand what you can afford before you visit the dealership. Once you submit the required documentation for final approval, we will issue a signed Letter of Guaranteed Financing for you to bring with you.

This letter:

  • Shows the dealer that your financing is approved

  • Outlines the vehicle requirements

  • Helps speed up the process once you have chosen your vehicle
What documents do I need to apply for a loan with LutheranFCU?

You do not need to submit documents with your initial application.

After your application is reviewed, your loan originator will provide a list of items needed for final approval. These may vary depending on the type of loan, but often include proof of income and other supporting information.

For example:

  • Mortgage loans may require verification of funds for your down payment and closing costs.

  • Auto loans require vehicle insurance information.
What information might my insurance agent need for my vehicle loan?

If you have a new vehicle loan or are changing insurance companies, please have your insurance agent use the information below. If they have questions, they may contact us at loans@lutheranfcu.org or (314) 394-2790, Option 2.

Loss Payee Name and Address

LUTHERAN FEDERAL CREDIT UNION
10733 SUNSET OFFICE DR STE 406
SAINT LOUIS, MO 63127-1024

Your insurance policy should also include:

  • Name and address of the policyholder

  • Policy number and coverage dates

  • Year, make, model, and VIN of the vehicle

  • Comprehensive and collision deductibles of $1,000.00 or less

  • No excluded drivers, unless approved on a case-by-case basis
How do I access my bill or statement for my LutheranFCU loans?

On the last day of each month, an email notice will be sent to the primary borrower's email address letting you know your monthly e-statement is ready to view or print.

To access your e-statements, log in to your online banking account, select Online Services, and then choose E-Statements.

Disclaimer

Auto Loan:


*APR is the Annual Percentage Rate. Rate referenced above is the lowest rate possible for qualified borrowers and is based on underwriting criteria and term of loan. There is a one-time $50 processing fee charged on all automobile purchase loans. Loan example: $50,000 at 4.25% for 36 monthly payments of approximately $1,482.88 with corresponding APR of 4.316%. Additional terms and conditions may apply. Rates are subject to change at any time. 

Motorcycle Loan:

**APR is the Annual Percentage Rate. Rate referenced above is the lowest rate possible for qualified borrowers and is based on underwriting criteria and term of loan. There is a one-time $50 processing fee charged on all motorcycle loans. Loan example: $30,000 at 5.625% for 60 monthly payments of approximately $574.77 with corresponding APR of 5.694%. Additional terms and conditions may apply. Rates are subject to change at any time.