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Vehicle Loans

It's not just a new car, motorcycle, or outdoor toy. It's a new chapter in your personal narrative. Let's get moving.

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Auto Loan

A car is an extension of your personality and it plays a role in your life story. Whether you're shopping for a new payment or "new-to-you" vehicle, we're here to help.

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Terms up to 84 months

No pre-payment penalties

Check out our Preferred Dealerships

AutoSaver Loan

An easy auto loan with payments that look like a lease. When your “lease” period is up, you can turn in your car for something new or enjoy it a little longer. It’s pretty much a win-win.

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Terms up to 60 months

No pre-payment penalties

Yearly mileage limits apply: 12,000 miles, 15,000 miles, or 18,000 miles

Total mileage based on loan term

Future year, current year, and vehicles up to five model years old are eligible

No early termination fees if you decide to sell, trade in, or refinance vehicle during the loan term

Remainder of loan balance is due in full as a balloon payment at the end of the term if you decide to keep vehicle

Shop Zoom

Shop local dealers by vehicle type and find your new car from the comfort of your couch.

Shop Now2
 

Boat Loan

Make new memories and enjoy some fun in the sun with the whole family.

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Rates and terms depend on either boat length or amount financed. See rates.

Check out our Preferred Dealerships.

 

RV Loan

When the great outdoors isn't that great anymore, it might be time for a new toy.

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Rates and terms depend on amount financed. See rates.

Check out our Preferred Dealerships.

Motorcycle

Motorcycle Loan

Road trips take on a whole new meaning when you can feel the wind beneath your feet.

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Rates and terms depend on size and power of engine. See rates.

Check out our Preferred Dealerships.

Other Vehicle Loans

Start a new epic adventure and explore everything that Mother Nature has to offer.

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​Terms up to 84 months

No pre-payment penalties

Check out our Preferred Dealerships

Qualified vehicles include: Personal Watercrafts (e.g. Jet Skis), Snowmobiles, ATVs, Campers, Tractors, Riding Lawn Mowers, and Trailers.

Auto Insurance

We know how much your car means to you.  Keep it safe with affordable protection.

TruStage3

We work with Liberty Mutual and Esurance to pick the best policy for you. Tell us a little about yourself and we’ll give you an instant quote online.

Get a Quote2

Members Home & Auto4

With more carrier options, it’s easy to find a policy that’s made just for you. Let us know what you’re looking for & we’ll give you a call with your quote.

Get Started2

A Helping Hand

Start living life on the edge. We’ll be there to catch you if you fall.

LOAN PROTECTION

We’ll cancel or waive your loan payments (up to contract maximums) if a protected life event happens to you. Don’t worry, we’ve got your back.

How do I get it? Give us a call at 888.267.7200 and let us know you want loan protection.

guaranteed asset protection plus

If your vehicle is stolen or totaled in an accident, your insurance will offer you a payout. GAP Plus helps to fill in the gap (like what we did there?) between what you owe on your vehicle and what the insurance pays out. Plus, we’ll cover up to $1,000 of your insurance deductible if your vehicle is a total loss. If this happens, GAP Plus will also cancel $1,000 of your replacement vehicle loan with us.*

*Purchase your replacement vehicle and finance with us within 60 days of your primary insurance settlement.

How do I get it? Let us know you want GAP Plus when you take out your loan.

Mechanical repair coverage

Mechanical Repair Coverage (MRC) limits your out-of-pocket repair expenses. We’ll help pay for roadside assistance and reimburse you for travel and a rental car. You get to pick from different deductible and coverage levels to create a plan that’ll fit your budget. MRC is available to all members with an eligible vehicle, even if that vehicle has no loan or is financed elsewhere.

How do I get it? Let us know you want MRC when you take out your loan. If you don’t have a loan or if your vehicle is financed elsewhere, give us a call at 888.267.7200 or visit the ForeverCar website2 to get a quote.
*Motorcycles are not eligible for MRC*

 

Vehicle Loan Estimator5

Monthly Cost
Maximum Loan
 
Total cost of car loan
27,000
Monthly cost
450

1APR=Annual Percentage Rate. Rates based on credit history, term, security, and amount borrowed. Rates effective UniversalEffectiveDate and subject to change.

2Third party website. Lake Trust Credit Union is not responsible for the content, availability, security or compliance of any linked third party websites. In addition, the site's privacy policies may differ from those of Lake Trust.

3The TruStage Auto & Home Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. DPGAP-1112-21A0.

4Members Home and Auto Insurance Program is underwritten by leading insurance companies. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

5Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.