Credit Union auto loan programs are among the best available anywhere! We can finance your new or used car, SUV, van, mini-van, light truck and more. We offer a variety of rates and terms to help more borrowers, not just those with perfect credit. Car shopping this weekend? Apply now and get pre-approved!
Apply for a Loan Loan Payment Calculator Current Loan Rates
Purchases
- Financing available up to 125% LTV
- When you finance 80% or less LTV you may qualify for a discounted rate
- Terms up to 84 months for loan amounts over $25,000.00
- Loan pre-approval available to give you a bargaining edge at the dealer
Refinancing
- Financing available up to 100% LTV
- Terms are based on the remaining loan balance
- Minimum loan amount $5,000.00
- Vehicles must be titled in CA
Auto Insurance
Our insurance products are offered through TruStage Insurance, which has been offering coverage to credit union members for decades. In addition to discounted premiums, TruStage offers no-obligation price quotes and fast, convenient claims services.
Auto Expert Auto Buying Service
Take the worry out of your next car purchase! Auto Expert is a convenient and hassle-free auto buying service dedicated to saving credit union members like you a lot of time and money when buying a car. You’ll save time because you don’t have to hunt down the car you want and haggle with a dealer. And you’ll save money—an average of $1,900—through our volume discount pricing. Plus, there is absolutely no fee to use this service. Let us handle the vehicle search, car dealers, DMV hassles and other details, so you can get on with your life and enjoy your new car!
Car Title Loans
Car title loans are an option for those who have paid off their auto loans, but need cash now. Having trouble getting credit? If your vehicle is paid off, you may be able to qualify for a car title loan based on the value of your vehicle.
To Apply:
Please fill out a loan application. Once your application has been submitted, please e-mail the following supporting documents to
- 2 most recent paystubs (if you receive other sources of income, please contact us for additional information)
- Current evidence of insurance
- Current registration (refinance transactions)
- Most recent statement from current lender (refinance transactions)
Contact info:
- Loan Department: 323-505-2600
- Fax: 323-505-2613 Attn: Loan Dept.
- Mailing address:
Cal State L.A. Federal Credit Union
Loan Dept.
2445 Mariondale Ave.
Los Angeles CA 90032
For personalized assistance and more information, call the Credit Union at (323) 505-2600.
All loans are based on approved credit. All rates, terms, programs, and conditions subject to change without notice. We do not refinance our own loans. For available rates, terms, and payment examples, please see the Loan rates page.
Our Skip-A-Payment allows those with an unexpected emergency to apply for a skip-a-pay. Apply for Skip-A-Payment at least 7 business days before your loan payment date. Skip-A-Pay requests are not guaranteed and will be reviewed for approval. Membership status not in good standing may disqualify you from being approved.
Please note: If your payment is made by Payroll Deduction, your deduction will occur as scheduled and your payment will be deposited to your Savings.
If your payment is made by ACH Origination, please submit your application at least 7 days prior to your scheduled transfer. Payments may still transfer if your application is submitted after that.
Credit Cards, Early Payday Loans, Student Loan, Unsecured Line of Credit and Real Estate Loans are not eligible for Skip-A-Payment. The $29 fee per loan must be paid in advance.
Your account(s) must be in good standing. No more than 2 extensions or modifications are allowed in each 12 month period, based on the loan payment due date. Loans funded less than 6 months prior to the application date or have not satisfied 6 consecutive monthly payments are not eligible for a skip-a-pay. Closed-end secured loans no more than 2 extensions or modifications allowed in each 12-month period, closed-end personal loans no more than 1 extension or modification allowed in each 12-month period. If there is “GAP” coverage on the auto loan, you understand that skipping loan payment(s) does not change the terms and conditions of the original GAP Waiver. GAP does allow up to two skipped payments per year during the life of the loan and in the event of a claim, any additional payment(s) may be deducted from any payable GAP benefit. Finance charges will still accrue.
If you are having difficulty with your payments and need further information, please contact Lorena at 323-505-2600x106. Free, confidential budget counseling and debt management is also available by calling BALANCE at 888-456-2227.
Cal State L.A. Federal Credit Union offers one of the best credit card values available. Are you using bank and department-store credit cards? If so, you're paying too much in interest charges and fees!
VISA CARD BENEFITS
- Fixed rates as low as 10.90% APR* (see below)
- No annual fee
- Cash advance privileges – at the same rate as purchases
- No fee for balance transfers
- A Share-Secured VISA option for those rebuilding credit
Once you have completed your loan application, please email your application and two most recent paystubs to
All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Subject to credit qualification and periodic credit review.
Current Rates + Apply Now!
Application and Solicitation Disclosure
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases Annual Percentage Rate (APR) for Cash Advances Annual Percentage Rate (APR) for Balance Transfers |
Visa Classic 10.90%, 12.90%, 14.90%, 15.90%, 16.90%, or 17.90% when you open your account, based on your creditworthiness. Visa Secured 8.90% |
| Penalty APR and When it Applies |
Visa Classic How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Finance Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website. |
Fees
- Annual Fee
- None
Transaction Fees
- Balance Transfer Fee
- None
- Cash Advance Fee
- None
- Foreign Transaction Fee
- None
Penalty Fees
- Late Payment Fee
- Up to $10.00
- Returned Payment Fee
- Up to $25.00
How We Will Calculate Your Balance.
We use a method called "average daily balance (including new purchases)."
Application of Penalty APR.
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
Effective Date
Rates current as of and subject to change.
Other Disclosures
- Late Payment Fee
- $10.00 of amount or the amount of the required minimum payment, whichever is less, if you are four (4) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the violation, you will be charged $10.00 or the amount of the required minimum payment, whichever is less.
- Returned Payment Fee
- $25.00 or the amount of the required minimum payment, whichever is less.
- Emergency Card Replacement Fee
- $50.00
- PIN Replacement Fee
- $1.00
Cal State L. A. Federal Credit Union offers one of the best credit card values available. Are you using bank and department-store credit cards? If so, you're paying too much in interest charges and fees!
Transfer those high-interest balances to a low-cost Credit Union VISA Credit Card! It offers:
- Low rates!
- No annual fee
- Cash advance privileges – at the same rate as purchases*
- No fee for balance transfers*
- A Share-Secured VISA option for those rebuilding credit
Stop, Think, & TRANSFER
Have a bank or store-issued credit card? You can reduce your interest costs substantially by transferring those high-rate balances to a lower-cost Credit Union VISA Credit Card. Check your credit card statement for your current rate, and compare it to the credit union's rates.
To apply, please fill out a VISA Credit Card Application. Once you have completed your loan application, please mail, fax, or bring in a copy of your most recent paystub.
All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Subject to credit qualification and periodic credit review.
*See VISA Rates for currently available APRs and fees. Approval and rate is based on an assessment of individual creditworthiness and our underwriting standards. No fee for balance transfers, interest will be charged from the transaction date.
CSLAFCU offers Personal Loans and Lines of Credit which may be used for Debt Consolidation, Overdraft Protection, and more.
Personal loans do NOT require collateral...your signature and good credit rating are sufficient. Ideal for specific needs such as paying down high rate debt, furniture and appliances, tax payments, etc. Personal loan features include:
- Borrow from $500 up to $30,000, based on creditworthiness
- Take advances as you need them*
- May be used as Overdraft Protection*
- No prepayment penalties!
- Automatic payments are available
- Get a FREE BALANCE Personal Financial Assessment and Credit Report Review
An open-end Line of Credit is ideal for Overdraft Protection, managing your monthly cash flow, and unexpected expenses. A Line of Credit allows you to "give yourself a loan" whenever you have a need.
Apply for a Loan Loan Payment Calculator Current Loan Rates
Once you have completed your loan application, please mail, fax, or bring in a copy of your most recent paystub.
*On Open Lines of Credit. Click for rates and payment examples. Subject to credit qualification and periodic credit review. All loans on approved credit, and all rates, terms, programs and conditions subject to change without notice.
We welcome Cal State LA students, staff and faculty as well as residents from the surrounding communities. Find out your eligibility and join us today!
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