YOU CAN CHOOSE TO STOP RECEIVING “PRESCREENED” OFFERS OF CREDIT FROM THIS AND OTHER COMPANIES BY CALLING TOLL-FREE 888.567.8688. SEE PRESCREEN & OPT-OUT NOTICE BELOW FOR MORE INFORMATION ABOUT PRESCREENED OFFERS.
PRESCREEN & OPT-OUT NOTICE : THIS “PRESCREENED” OFFER OF CREDIT IS BASED ON INFORMATION IN YOUR CREDIT REPORT INDICATING THAT YOU MEET CERTAIN CRITERIA FOR CREDITWORTHINESS. THIS OFFER IS NOT GUARANTEED IF YOU DO NOT MEET OUR CRITERIA (INCLUDING PROVIDING ACCEPTABLE PROPERTY AS COLLATERAL). IF YOU DO NOT WANT TO RECEIVE PRESCREENED OFFERS OF CREDIT FROM THIS AND OTHER COMPANIES, CALL THE CONSUMER REPORTING AGENCIES TOLL-FREE AT 1-888-5OPT-OUT (888.567.8688); OR VISIT THE WEBSITE AT WWW.OPTOUTPRESCREEN.COM OR WRITE: EQUIFAX OPTIONS, P.O. BOX 740123, ATLANTA, GA 30374-0123 TRANSUNION, OPT OUT REQUEST, P.O. BOX 505, WOODLYN, PA 19094-0505 EXPERIAN CONSUMER OPT OUT, P.O. BOX 919, ALLEN, TX 75013
*Pre-approval offer effective between 5/4/2026 and 7/31/2026. Please refer to your email for your pre-approved auto loan rate and payment examples. 84 month financing is available on vehicles 2019 and newer of $20,000 or more and for FICO scores of 625+. New or used vehicle loan amounts offered up to 120% loan-to-value (LTV), based on MSRP or Kelley Blue Book, including tax and license PLUS warranty, GAP, and maintenance up to $3,000 for 2-wheel drive and $3,500 for 4-wheel drive, GAP up to $1,000 and pre-paid maintenance up to $1000. Some restrictions apply. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. Does not apply to the refinance of existing LBS Financial auto loans or cash-out refinance loans and is nontransferable. All refinances are subject to collateral and loan-to-value review. Please call us at 800.527.3328 for additional information if you are purchasing a vehicle out of California, from a non-franchised dealership, private party or a cash-out transaction. No Salvaged Titles, Branded Titles, Lemon Law or Commercial/Business vehicles will be financed. Minimum loan amount of $1,000. Offer limited to one vehicle. Max age of any vehicle is limited to 15 years.
The first payment is due between the 30th day and 45th day following the funding date. Finance charges begin accruing on the date of funding. Selecting a 45th day first payment will result in higher total finance charges than selecting a 30th day first payment and may extend the contract term or increase the amount of the final scheduled payment.
Military Lending Act Disclosure
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).
Additional Terms and Conditions:
1) This Pre-Approval is non-transferable and may be used only by the Member whose name appears on the email and is in good standing with the Credit Union.
2) The Member whose name appears on the email must sign all necessary and appropriate documentation requested by the Credit Union.
3) Offer limited to one vehicle.
4) Offer limited to Members who have not received a Credit Union auto loan within the last 90 days.
5) Offer may not be extended if you no longer meet the criteria used to determine your credit worthiness.
6) Joint applicant subject to credit approval.
