Your ultimate car-shopping wingman.
Shopping cars? Fun. Figuring out the finances? Less so. LMCU makes the second part feel like the first part.
Why finance your car with LMCU?
Many lenders bury their best rates in the fine print. LMCU keeps it simple: competitive auto loan rates on new and used car financing, a fast decision, and no surprises when you sit down to sign.
Competitive rates
Rates built for members. Competitive auto loan rates. Simple and straightforward.
Flexible terms
Choose a payment timeline that fits your budget, with options designed for real-life needs.
Fast, easy approval
Apply in minutes, get a fast decision. Shop with confidence before the weekend.
More than a rate. A real deal.
The sticker price gets all the attention. The loan is what you live with for years. LMCU members get competitive auto loan rates, no prepayment penalties, and optional protection like GAP and credit life and disability coverage (learn more). Carrying a higher rate elsewhere? Our auto refinance is worth a look.
Shop with our dealer partners
Skip some of the hassle of car shopping. Our network of more than 500 dealer partners across Michigan and Florida gives you access to vehicles and financing options in one place, helping make the path from shopping to driving a little smoother.
What will your payment actually be?
A monthly payment that looks fine in the showroom can feel different by month six. Run the numbers first. Plug in your amount, term, and down payment, and see exactly what you're committing to.
Good questions. Here are some answers.
Buying a car comes with a lot of questions. Here are the ones we hear most — answered straight.
Apply online anytime — it only takes a few minutes and a quick decision follows. Prefer to talk to someone first? Visit any branch or schedule an appointment. Either way, we'll walk you through it without the runaround.
A few things factor in: your credit history, the loan term, the age of vehicle, and your down payment. Enrolling in Auto Pay may also help.
Two levers: longer loan term or bigger down payment. Either one moves the number. The tradeoff is that a longer term means more interest paid over time, so it's worth running the calculator before deciding which direction to pull.
Yes. Two wheels or four, the process is the same. Apply for a new or used motorcycle loan the same way you would for a car — competitive rates, flexible terms, fast decisions.
Yes. We partner with more than 500 dealers across Michigan and Florida. You can shop, finance, and sign all in one visit with competitive LMCU rates. Find a participating dealership at lmcu.cudlautosmart.com.
In short, yes — and here's why it matters. When you prequalify for an auto loan with LMCU, you walk into the showroom knowing what rate best fits your budget. Apply online or stop into any branch before you shop.
One membership. Everything you need to get moving.
Disclosures
Rates effective as of 9/10/2026 and subject to change. Rates shown are for well qualified borrowers. Actual rates may vary based on credit history, loan purpose, amount, loan-to-value, term, and vehicle year. The lowest advertised rate for auto loans includes a 0.25% discount for borrowers who set up Auto Pay at loan closing and finance a 2019 or newer vehicle with a term of 66 months or less. Estimated monthly payment at 5.74% APR for 66 months is $17.71 per $1,000 borrowed. Auto pay is optional and does not affect credit approval. All loans subject to credit and income qualification.
