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Rates

Loan Rates Vehicle Loans Home Loans Savings/Share Rates Certificate Rates

Vehicle Loans
APR refers to the annual percentage rate or the dividend rate.
Some dealers and manufacturers continue to offer the choice of lower interest rates or sizable rebates. Many Lan-Fair members are taking the rebate and financing at the credit union. Frequently, that combination provides an opportunity for substantial savings.
If you will be purchasing a vehicle or considering the purchase of a vehicle you are currently leasing, give us a call. Lan-Fair rates are low.
Vehicle rates also apply to other Ohio titled personal property.
New 2019 and 2018 Automobiles and Trucks
Term Payment Description APR TYPE
800 or Higher Credit Score 24 MonthsNo Down Payment3.25%Fixed
750 to 799 Credit Score 24 MonthsNo Down Payment3.50%Fixed
700 to 749 Credit Score 24 MonthsNo Down Payment3.75%Fixed
650 to 699 Credit Score 24 MonthsNo Down Payment4.50%Fixed
649 or Less Credit Score24 MonthsNo Down Payment6.00%Fixed
800 or Higher Credit Score 36 MonthsNo Down Payment3.50%Fixed
750 to 799 Credit Score 36 MonthsNo Down Payment3.75%Fixed
700 to 749 Credit Score36 MonthsNo Down Payment4.00%Fixed
650 to 699 Credit Score36 MonthsNo Down Payment4.75%Fixed
64649 or Less Credit Score36 MonthsNo Down Payment6.25%Fixed
800 or Higher Credit Score48 MonthsNo Down Payment3.75%Fixed
750 to 799 Credit Score48 MonthsNo Down Payment4.00%Fixed
700 to 749 Credit Score 48 MonthsNo Down Payment4.25%Fixed
650 to 699 Credit Score 48 MonthsNo Down Payment5.00%Fixed
649 or less Credit Score 48 MonthsNo Down Payment6.50%Fixed
800 or Higher Credit Score60 MonthsNo Down Payment4.00%Fixed
750 to 799 Credit Score60 MonthsNo Down Payment4.25%Fixed
700 to 749 Credit Score60 MonthsNo Down Payment4.50%Fixed
650 to 699 Credit Score 60 MonthsNo Down Payment5.25%Fixed
649 or Less Credit Score60 MonthsNo Down Payment6.75%Fixed
800 or Higher Credit Score84 Months10% Down Payment4.25%Fixed
750 to 799 Credit Score 84 Months10% Down Payment4.50%Fixed
700 to 749 Credit Score 84 Months10% Down Payment4.75%Fixed
650 to 699 Credit Score 84 Months10% Down Payment5.50%Fixed
649 or Less Credit Score84 Months10% Down Payment7.00%Fixed
 
Used Vehicles
Rate DescriptionTerm
Used 2018 to 2015 Models24 Months5% Down Payment6.50%Fixed
36 Months5% Down Payment6.75%Fixed
48 Months5% Down Payment7.00%Fixed
60 Months5% Down Payment7.25%Fixed
Used 2014 to 2012 Models24 Months10% Down Payment7.00%Fixed
36 Months10% Down Payment7.25%Fixed
48 Months10% Down Payment7.50%Fixed
Used 2011 and 2010 Models24 Months10% Down Payment7.50%Fixed
36 Months10% Down Payment7.65%Fixed
48 Months10% Down Payment7.75%Fixed
Used 2009 and Older Models 24 Months10% Down Payment8.00%Fixed
36 Months10% Down Payment8.25%Fixed
 
New Secured Vehicles other than Automobiles and Trucks
Rate DescriptionTerm
24 Months No Down Payment6.00%Fixed
36 MonthsNo Down Payment6.25%Fixed
48 MonthsNo Down Payment6.50%Fixed
60 MonthsNo Down Payment6.75%Fixed
84 Months10% Down Payment7.00%Fixed
“Down Payment” refers to vehicle purchases. “Equity” refers to Home Equity and Vehicle Equity when an advance is requested for non-purchase money with a vehicle as security.

Members should call the credit union to verify rates. Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.


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