Used Car Rates as Low as
3.00%
You must be a Lincoln SDA Credit Union member to apply. The 3.00% interest rate is for a loan less than 36 months on a vehicle 2 years old or less and excellent credit. A poor credit rating, older vehicle, long loan terms, would result in a higher interest rate up to 17.25%
Car Loan Rates
Rates below are with the same criteria as listed above, except for the age of the vehicle.| New & < 3 years | 2023 to 2024 | Low as 5.40% |
| Used 3 to 5 years | 2020to 2022 | Low as 5.95% |
| Used 6 to 10 Years | 2015 to 2019 | Low as 6.45% |
| Over 10 Years Over 120,000 Miles or Salvage Title | Older than 2015 | Low as 6.60% |
To know exactly what your rate would be use the link below to submit an application. We'll call you with the specifics of your loan once we get the application processed.
Applications and Forms
Fill out an application to start the loan process. If you are just starting your search and would like to be pre-qualified, enter PRE-QUALIFY in the loan description on the application. If you are filing a joint application, the second person will need to fill out the JOINT SIGNER application.
Loan Application
Loan Application - Joint Signer
NADA Guides for car values