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We have a variety of different loans to choose from ranging from auto, mortgage, and more. Please choose a loan that's right for you by applying online 24 hours a day, 7 days a week. Button_AccordionClickRule

Signature Loan
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LAFCU makes it easy to apply for that next loan.

LAFCU also offers you the opportunity to apply for a general signature loan. Whatever the reason, we know your time is valuable so you can apply when it's convenient for you.

Call 517.622.6600 for more information.

Complete an online loan application 24/7.

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Auto and RV Loans New/Used

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Have an auto loan with another lender?  Switch your loan from another lender to LAFCU and get $100*!

LAFCU offers a great rate as low as 2.24% APR** for both new and used autos. LAFCU also offers competitive rates on recreational vehicles (truck campers, motorcycles, lawn tractors, snowmobiles, jet skis and small R.V.s) and boats. If you already financed somewhere else, chances are you can receive a lower rate by refinancing at LAFCU.

Complete an online loan application 24 hours a day or you can apply directly at the dealership - it's so easy to do.

*
Refinancing offer not availabe on vehicle loans currently financed at LAFCU. Restrictions apply. **Annual Percentage Rate. Rate accurate as of 2/1/14 and subject to change. Rates based on credit history, terms and security. 60 monthly payments of $17.64 for every $1,000 financed.

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Credit Cards
Application for Credit Card (PDF) >>
Home Equity Loans

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Home Equity Loan
LAFCU's Home Equity Loan may be the answer when you need to borrow for almost any reason, such as home improvements, education, unexpected expenses, a wedding or family vacation. Applying is fast and easy!
•    Fixed rate
•    Fixed payments for easy budgeting
•    Terms up to 15 years
•    Repay through Payroll Deduction or Home Banking
•    Interest may be fully tax deductible -- consult your tax advisor
 •    Apply in person or by phone at 517.622.6600.

Home Equity Line of Credit
LAFCU's Home Equity Line of Credit (HELOC) is there to use whenever you need it, whatever you need it for. Applying is fast and easy.
•    No application fees
•    No closing costs
•    Variable rates
•    Borrow only what you need
•    Interest may be fully tax-deductible -- consult your tax advisor
 •    Apply in person or by phone at 517.622.6600.

Mortgage Retirement Loan
LAFCU can show you how you can pay off your mortgage in 10 years or less and be on your way to a debt-free retirement.

Our Mortgage Retirement Loan is designed for people who have built substantial equity in a home and plan to retire within the next 10 years. It's a special type of home equity loan which s you to capitalize on favorable interest rates and accelerate your mortgage payoff. The Mortgage Retirement Loan offers several advantages over refinancing your existing mortgage:
•    No closing costs
•    Fixed rates
•    Just a $149 application fee
•    You may also be able to roll additional debt into the Mortgage Retirement Loan
•    Apply in person or by phone at 517.622.6600.

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Home Improvement Loans

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As a homeowner, changes and updates are always needed. Some changes require time to complete those bigger projects. With the bigger projects we sometimes need to have help with extra financing. LAFCU can help you with our Home Improvement Loan.

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Energy Efficiency Begins At Home

There's never been a better time to make energy efficiency improvements to your home. A new, affordable loan program is now available to make it even easier for you to replace your old appliances or aging furnace, or to make other upgrades.

Michigan Saves has teamed up with LAFCU to offer an affordable loan designed just for you. The Michigan Saves Home Energy Loan is a personal loan with a low fixed rate of 7%. Flexible terms are available and loans range from $1,000 to $12,500.

You can combine your Michigan Saves loan with utility rebates and federal tax credits on qualifying improvements for even more savings.

Start Saving Now!

Applying for a Michigan Saves loan is easy, so you can start saving energy and improving your home's comfort right away. Visit us for more information and to find an authorized contractor to start your energy efficiency improvements.

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Mortgages
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Together with Member First Mortgage, we are able to offer you a wide variety of mortgage loans and fast, friendly service. We can help make your home buying dream a reality!


Member First Mortgage can offer you:
•    FREE pre-approval
•    Purchase, refinance, and jumbo loans
•    Fixed-rate & adjustable-rate mortgages
•    Secure web access to mortgage history, statements, balance, tax and insurance detail

Apply online or call us today at (517) 622-6790!

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mrl_photoMORTGAGE RETIREMENT LOAN
You can switch to a Mortgage Retirement Loan for only a $149 application fee and no closing costs.

Option 1:
•    Current mortgage has less than 15 years remaining
•    You can decrease your monthly payment 

Option 2:
•    Current mortgage has less than 15 years remaining
•    You can “retire” your mortgage sooner

 
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NMLS# 562117

For more information call us at 517.622.6600

*Annual Percentage Rate. Rate subject to change. Rates based on credit history, terms and security.

Mortgage Retirement Loan

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You can switch to a Mortgage Retirement Loan for only a $149 application fee and no closing costs.

Option 1:
•    Current mortgage has less than 15 years remaining
•    You can decrease your monthly payment 

Option 2:
•    Current mortgage has less than 15 years remaining
•    You can “retire” your mortgage sooner

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For more information call us at 517.622.6600

*Annual Percentage Rate. Rate subject to change. Rates based on credit history, terms and security.

Payment Protection Plan

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What if the unexpected were to happen and you were unable to make the payments on your car, boat, RV or other loan? The Protection Plan can help.

The Payment Protection Plan is a financial safety net that may waive your monthly loan payments if you become disabled or involuntarily unemployed. It may also cancel your eligible loan balance should you die before paying off your loan.

The Payment Protection Plan is available on both new and existing loans. We have several options available, and our Member Service Representatives can help you determine the one that's right for you.

What options are available?  Our member service representatives will be happy to help you choose from a variety of options that are just right for you.

Call 517.622.6600 and put your financial safety net to work.

Student Loans

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Federal loans not enough to cover the cost of your college education?
The cuScholar Private Student Loan available through LAFCU can be the answer to your funding needs.

  • Borrow as little as $2,000 or as much as $30,000 per year.
  • Use the funds for any qualified educational expense, including past due tuition bills.
  • Zero Origination Fees for all qualified student borrowers.
  • Use for ALL education expenses.

Learn more here!