Get behind the wheel of an incredible deal with an auto loan from LZECU!

carWhether you're in the market for a new or used vehicle or looking to save some money by refinancing, LZECU offers the same competitive rates and personalized terms.

  • 100% Financing - We’re here with the help you need – offering up to 100% financing on new, used and refinanced vehicles!
  • Flexible Terms - We tailor the term of your loan to give you a monthly payment that fits, with terms up to 84 months.
  • Hassle-Free Payments - Set up direct payment from your LZECU account and never worry about late payments, stamps or other headaches again!
  • No Hidden Fees - We’ll never charge you hidden fees. Our auto loans have no set-up fees and no prepayment fees. 

 Should I take the 0% financing offered by the dealer?

Q: I'm in the market for new wheels, and I've seen dealers advertising 0% financing. Should I take this offer?

A: There are many factors to consider before deciding on a 0% financing offer. Let's take a look at no-interest loans so you can make an informed, responsible decision.

What is zero-percent financing?

An auto loan offer of zero-percent financing means the financer is offering to lend the buyer money without charging any interest over the life of the loan. Zero-percent financing loans are typically only offered at a four-year term to buyers with a credit score above 700 who have long credit history.

Buyers may be blinded by the temptation of not paying interest and consider a vehicle with a higher monthly price tag than they planned. Many car dealers offer you the choice of a zero-percent financing or a cash rebate. Usually the best way to save is applying the cash rebate to the vehicle's purchase price and financing with Lubrizol Employees' Credit Union - even when the dealer's advertised rate is lower than ours. Here's an example of how we can save you more:

  Dealer LZECU
Vehicle Purchase Price $20,000 $20,000
Dealer Cash Rebate $0 $2,500
Amount Financed $20,000 $17,500
48-month Interest Rate 0% APR 2.49% APR
Interest Charge $0 $904.55
Monthly Payment $417 $383
Total Amount Paid $20,000 $18,404.55

If you're ready for real savings on your auto loan, LZECU is the best place for financing, with low rates.

Apply online or you can give us a call at 800-477-LECU, or stop by our branch location to apply for your auto loan today.Apply Now 

Offering Our Members More Than Just an Auto Loan

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Auto Calculators

Car Loan Calculator: Determine your car budget based on your targeted purchase price or monthly payment.

Dealer vs. CU Financing: Determine whether you should take advantage of low interest dealer financing or credit union financing combined with a manufacturer rebate.

Car Loan Dealer vs. CU
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Auto Buying Center

When it comes to car buying we know you can use all the resources you can get. Here you can get more information on benefits such as Extended Warranty, GAP Coverage and Vehicle Inspections. Also take advantage of tools like our Preferred Dealer's List, Car Builder and NADA Guide to make sure your new car matches it's value. 

Find out More! 
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Certified Guidance

Have questions about your credit report or how to get the best deal on your next car? Through our partnership with BALANCE you have free access to have all of your questions answered by a  Certified Financial Counselor over the phone. Learn more from all the resources right on their website. 

Learn More 

Auto Insurance

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Your credit union membership can result in auto insurance savings!

You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto Insurance Program.

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared auto insurance lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149. 

Payment Protection

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Credit Life & Credit Disability

With optional Credit Life and Credit Disability Insurance, your loan may be paid off or your monthly notes paid if you die or become disabled due to a covered illness. The cost of coverage is conveniently included in your monthly payments, and benefits are paid even when other insurance is in force - helping to reduce financial risk for you and your family. Ask a loan officer how to sign up for your coverage.