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Langley Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 06 October 2023
Fact checked

Langley Federal Credit Union auto loans overview

Langley Federal Credit Union logo

Langley Federal Credit Union (LFCU) has 21 branches across Virginia and is one of the 100 largest credit unions in America. From 5.24% APR, qualified members can purchase or refinance auto loans with terms stretching up to 84 months. LFCU also offers interest rebates to reward qualified members for making timely payments on their loans.

Want to see what an LFCU auto loan will cost? Try the Langley Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Langley Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 5.24% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: 10% interest rebate program.

LANGLEY FCU AUTO LOAN OPTIONS

New and used auto loans

Whether it’s for buying or refinancing, Langley provides competitive pre-owned and new auto loans. You can apply for as low as 5.24% APR and pick terms up to 84 months. Plus, LFCU has an interest rebate program. This allows you to earn back 10% of your monthly interest when you make timely payments from a Langley checking account.

RV and boat loans

You can finance recreational vehicles and boats, too. For RV loans, rates start at 10.24% APR for 2018 to 2023 models and 11.24% APR for 2017 and older models. But if you’re after boats, you can fund 2013 to 2024 model years for as low as 10.24% APR. Moreover, you can extend your payments for up to 180 months.

Motorcycle loans

If you’re looking for a two-wheel ride, Langley FCU also has motorcycle loans for you. The starting rate for motorcycles is 7.49% APR, and loan terms can be up to 84 months.

Langley Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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Langley Federal Credit Union

Langley Federal Credit Union auto loan

Langley Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Langley Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Langley Federal credit union auto loan

Eligibility criteria

Langley doesn’t specify the exact requirements for vehicle financing, but you should usually be:

  • A member of LFCU
  • 18 years old or older
  • Employed or have a dependable source of income

Consider lowering your debt-to-income ratio (DTI), too. This number helps financial institutions gauge your debt management. So, a lower DTI ratio will help you show that you can comfortably pay your loan and help you get approved.

How to join Langley Credit Union

You can qualify for Langley membership as long as you open a savings account and make an initial deposit worth $5.

What you’ll need to have ready

Personal details

When you apply for auto financing with Langley Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Langley with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Also, ask about the loan fees associated with the loan. This will help you crunch the numbers and weigh your overall loan expenses. This way, you can properly plan your budget and avoid defaulting on your payments.

Ways to apply for a Langley FCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 757-827-5328 or 800-826-7490

Additional LFCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may range from a day to a few weeks based on your application.
  • Rate discounts: 10% interest rebate for qualified members with on-time payments through Langley checking accounts.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-payment relief available. (Learn more)
  • Ways to repay: Online banking, mobile banking, and through mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low annual percentage rate.
  • Longer repayment terms.
  • Monthly 10% interest rebate program.
  • Joint applications allowed
  • Purchase, refinance, and lease available.
  • Prequalification offered.
  • Easy membership requirements.
  • Multiple vehicles allowed – new and pre-owned cars, trucks, vans, motorcycles, RVs, and boats.
  • Optional extended warranty, auto insurance, and Guaranteed Auto Protection (GAP) offered.

Cons

  • Undisclosed loan fees.
  • Unspecified vehicle limitations.
  • Low credit scores may lead to higher interest rates.

FREQUENTLY ASKED QUESTIONS

Are there discounts available on Langley car loans?

You can get a 10% monthly interest rebate when you make timely payments through your Langley checking account.

How much interest does LFCU charge on auto loans?

Langley offers auto loans ranging from 5.24% to 18% APR for new and used vehicles.

How do I pay my car payments with Langley Federal Credit Union?

You can conveniently make your loan payments online, through your phone, or payoff by mail.

How to apply for an auto loan at Langley Federal Credit Union?

Loan applications can be done online, through the phone, or in person.

Can I finance a vehicle I buy from an individual?

Yes. You can use your LFCU loan to fund a private purchase from an individual.

How long does it take to apply for a Langley FCU vehicle loan?

You can apply online or over the phone within minutes. Alternatively, you can apply at your preferred branch, and it may take around 45 minutes.

What is the maximum length of a Langley FCU vehicle loan?

You can extend your monthly payment for up to 84 months.

Video: LangleyPays auto refi – We know you love your car, now you can love your car loan with Langley

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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