Your loan. Your questions. We're here for both.
Everything you need to manage your LMCU auto loan: payments, payoff help, and more.
LMCU makes paying your auto loan the easiest part of owning your car. Log in to Online Banking to pay from your LMCU account, set up one-time or recurring payments, or pay from another financial institution. Auto Pay keeps things running automatically, so your payment is never an afterthought.
Your auto loan details live in Online Banking. Your balance, payment history, statements, and progress toward payoff are all there. Think of it as your personal dashboard: always current, always secure, always there when you want a quick review. Log in from your desktop or pull it up on your phone.
Set up alerts and reminders so due dates never sneak up on you. You can monitor payment activity, keep tabs on your auto loan status, and stay in the loop on any account updates. A little heads-up goes a long way toward keeping your loan (and your credit) right where you want them.
We're here when you need us.
Questions about your auto loan payment? Need to update insurance, request a payoff quote, or handle title and lien release? We've got you covered online, by phone, or at any branch — no runaround, no hold music maze. Log in to Online Banking, email Loans@LMCU.org, or call (844) 301-8899.
Got questions? You’re in good company.
Most auto loan questions come down to a handful of things. Here's what members ask us most — and what we tell them.
A few good options: Log in to Online Banking to pay from your LMCU account, set up one-time or recurring payments — including payments from another financial institution — or mail a check to: PO Box 2848, Grand Rapids, MI 49501. Prefer face time? Stop into any LMCU branch and we'll take care of it there.
Yes — and honestly, it's one of the smarter moves you can make. Auto Pay handles your monthly payment automatically so you never have to think about it. Set it up in Online Banking and you're done. One less thing on your mental checklist.
Your payoff amount is available in Online Banking. One thing worth knowing: your payoff amount isn't the same as your current loan balance. Because interest accrues daily, the official payoff figure is calculated through a specific date. For the most accurate number, contact us at (844) 301-8899 — we'll give you an up-to-date quote including any applicable interest.
If life throws a curveball, reach out to us before the payment is due if you can. After a 14-day grace period, a late fee may apply and online payment transfers may become unavailable. If you expect a delay beyond 15 days, please contact our Loss Prevention team at (800) 242-9790 ext. 9923 or visit your local branch as soon as possible. The earlier you reach out, the more options we have to help.
Skip-a-Payment lets eligible members skip a regular monthly loan payment for a $25 fee — helpful when an unexpected expense shows up right before your due date. You can skip up to two payments per calendar year in nonconsecutive months, as long as your loan is current and eligible. Keep in mind: interest continues to accrue during the skipped month, which may extend your loan term. To use it, log in to Online Banking and look for the Skip-a-Payment option, or download and return the form to any branch.
If your insurance coverage has changed, it's important to update LMCU promptly — your loan agreement requires keeping coverage current. Call us at (844) 301-8899, email Loans@LMCU.org, or stop into any branch and we'll walk you through exactly where to send your documents.
