Member Auto Center

LAPFCU is committed to making your auto purchase as stress-free as possible. Plus, when you obtain financing through us, you get the lowest rates backed by the quality Member service you would expect of your Credit Union. Check Current Rates or Pre-qualify me immediately.

1) Research It:

Autoland^◊ – Use this service to search for vehicles, calculate payments, configure your auto, or compare new or used vehicles.

CUDL® Autosmart^◊ – View new and used vehicles, or search for local vehicles at participating CUDL Autosmart dealerships. You can also research and take part in online vehicle auctions. Calculate payments.

2) Find It:  top of page...

CUDL® Autosmart – Complete your purchase with LAPFCU financing all in one place at the same time by using a participating CUDL dealership -- even on weekends, holidays and evenings.  Be sure to inform the CUDL dealer that you are an LAPFCU Member to take full advantage of our great rates and term financing. Obtain a free Carfax®^◊ car report on the vehicle you’d like to purchase.

Autoland^◊ – Find a local dealership or work with a designated Consultant to make your decision hassle-free. Everything is done to the Member’s convenience.  With Autoland, you can have your vehicle delivered to any LAPFCU branch location or even to your home.

Enterprise Used Car Sales – Through a unique relationship with Enterprise Car Sales^◊, LAPFCU Members can get the best deals on these sought-after used vehicles. Be sure to mention you are an LAPFCU Member.

See member vehicles for sale.

3) Sell It:  top of page...

Obtain a free Kelley Blue Book^◊ trade-in report to see what your current vehicle is worth.

Autoland^◊ – Perhaps you have a vehicle to trade in or sell. Using Autoland’s Advocar, you can obtain a fair price for your current vehicle, receive a trade-in appraisal, sell your car to Advocar, or post a free ad online to sell your car to a private party.

Upload your vehicle to www.lapfcu.org.

4) Fund It:  top of page...

Use LAPFCU’s easy 3-minute CUFFS (Credit Union Fast Financing System) online application. Get pre-approved now to learn how much you qualify for. Or, call (800) 950-9794 anytime 24/7 to apply with a live person. Benefit from low interest rates, no loan processing fees and extended terms for up to 84 months* on new and used autos which are available in fixed or variable rate terms**. 

• Up to 125% financing of retail value plus tax, license, document fees and service maintenance contracts on approved credit.

•  Available refinancing of your auto loan from another lender (cars six months or less old) to take advantage of our great new vehicle rates, click here.

• Loyalty Has Its Reward$  - LAPFCU values the loyalty of its members. To reward them when they are purchasing a vehicle (new or used), we offer a Loyalty Discount Rate. This discount takes the form of a 1/4% reduction from standard loan rates when a member has at least one open loan of any kind from LAPFCU. This could be any loan, whether it’s a VISA card, motorcycle, RV or home loan.

This rate reduction is not available on any promotional rates.

Polease – This unique fixed-rate auto loan combines benefits of a lease (i.e. lower monthly payments, no down payment) with the advantages of a traditional loan. At the end of the loan term you can either pay off the loan balance with a balloon payment, refinance the remaining balance as a used car loan (conventional loan), or simply return the car to LAPFCU with no additional cost+.

• Terms up to 60 months++.

• 100% financing of retail value plus tax, license, document fees and service maintenance contracts, on approved credit.

• Apply now through CUFFS (Credit Union Fast Financing System).

5) Insure It:  top of page...

Insure your vehicle through LAPCUSO Insurance.  Call Los Angeles Police Credit Union Service Organization (LAPCUSO, Inc.) at (888) 717-7526 Ext. 1 to obtain your complimentary quote with Bichlmeier Insurance Services.

Headed by Jerry Bichlmeier, a 25 year veteran of LAPD, Bichlmeier Insurance is a family owned and operated business.

Auto Gap insurance when you purchase your new vehicle MBP (Mechanical Breakdown Protection)

*  Minimum loan amount of $25,000 required to qualify for 84 month term on new and used autos. Payment Examples (Rate effective 4/25/07): New Auto Loan: A 84 month new auto loan of $35,000 with 0% down at 6.62% fixed APR (includes 1/4% rate discount for payroll deductions or automatic payment transfers) would require monthly payments of $521.92 each. Used Auto Loan: A 84 month used auto loan of $25,000 with 0% down at 6.98% fixed APR (includes 1/4% rate discount for payroll deductions or automatic payment transfers) would require monthly payments of $377.19 each.

** Variable rates may increase or decrease during the term of the loan.

+ You may be charged for excessive wear and tear on the vehicle, and/or excessive miles above 15,000 per year.

++ Payment Example (Rate effective 4/25/07): POLEASE Loan: A 60 month POLEASE loan for a 2007 Ford Expedition, 2 Wheel Drive, 4 Door Wagon, Eddie Bauer (Suggested Retail Price of: $39,695) with 0% down at 6.50% fixed APR (includes 1/4% rate discount for payroll deductions or automatic payment transfers), would have monthly payments of $674.28 for 59 months and a balloon payment of $12,994.64.