Consumer-Friendly Car Buying Tips To Help You get In A Car & Get A Change To Win One Month's Payment!

New car sales are booming. Low rates and a need to replace gas-guzzlers and clunkers are given up for small, fuel-efficient autos and light pick up trucks. We offer great rates and extended terms to make your purchase affordable.

But, if the average price of a new auto, about  $31,000, is beyond your budget, think of a new-to-you, used vehicle. Buying pre-owned along with the low rates offered by LA Financial Credit Union can drive thousands of dollars in savings.

Used vehicle pricing has dropped significantly since last year's highs as new car sales have resulted in trade-ins filling used dealer lots or crowding private party driveways.

Some dealer trade-ins are worthy of "pre-owned certified status" as those vehicles go through a rigorous inspection and repair at the dealership and usually come with a manufacturer's warranty. Many of these vehicles arrive from lease fleets.

Of course, you're still buying a used vehicle, one with a potential for problems. Before you buy, ask for a report such as Carfax - showing a history of repairs, maintenance and accidents for your peace of mind.

Whether you're in the market to buy a new or pre-owned vehicle from a dealer or private party, or looking to refinance your auto loan from another lender to save extra cash, count on LA Financial Credit Union to make if affordable.

With auto rates and terms like ours, you can’t lose!

New car rates as low as 1.90% APR*
Used car rates as low as 2.40% APR
60-Month terms
Up to 100% Financing
All our vehicle loans…NEW, USED and REFINANCES, are eligible to WIN one month's payment!

Just apply online or call 800.894.1200 to get pre-approved today, so you can bargain with the power of “cash in hand.”

For complete sweepstakes rules go to http://www.lafinancial.org/lafcu/pdf/promo_lucky13_sweepstakes.pdf

* APR= Annual Percentage Rate. Based on 100% of purchase price plus tax and license on dealer purchase. Private party purchase requires DMV paperwork and 100% retail Kelley Blue Book price. Available on approved credit. Must qualify for loan under LA Financial Credit Union guidelines, including age and value of auto. Annual Percentage Rate (APR) may vary according to length of term, age of vehicle and your credit worthiness. As low as 1.90% APR for 60 months on new autos, light trucks, and motorcycles includes 0.50% reduction for checking account –OR- 0.25% reduction for automatic payment and 0.25% reduction for Direct Deposit/Payroll Deduction – maximum rate reduction is 0.50%. Based on 100% of purchase price for new cars; 100% of Kelley Blue Book retail price for used cars. At 1.90% APR, your monthly payments are just $17.50 per $1,000 borrowed for 60 months. Pre-owned vehicle loans — as low as 2.40% APR for model years 2008 through 2012 — with the same great terms. Monthly payments with this loan are just $17.72 per $1,000 borrowed for 60 months.

Auto loan must fund July 15, 2013 – December 31, 2013 to be eligible to win.

Six (6) Auto winners: Each winner will win one monthly payment. Payment amount is dependent on the amount of loan that has been financed.

Odds of winning depend on the total number of eligible entries received. All expenses relating to acceptance and use of any prize that are not explicitly listed herein as being awarded, including payment of taxes, are responsibility of the winner. Limit of one prize per person. No substitution, barter, transfer, or assignment of prize permitted. One winner will be selected on the last day of each month – July – December, 2013. Entries will remain eligible throughout the sweepstakes period so the earlier you fund the better your chances to win.