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Auto Loans

Here to help you get on the road

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  • Competitive rates
  • Discounts for automated payments from an LBS Financial account
  • Up to 100% financing for new and used autos*
  • Transfer a loan to us and lower your payments

Check out our Auto Loan Rates

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Monthly Payment

Loan Amount
Loan Term in Months

The One That’s Right for You

Owning the perfect car for your needs is important, but so is selecting the right loan. We know you have places to go, so we’ll help you get an auto loan with rates and payments to fit your life. At LBS Financial, we want you to win at car ownership.

Let Us Help You Shop

Not sure where to begin? We have three great partners to help you find a car:

  • Research new or pre-owned cars online through AutoSMART and finance with us at the dealer.
  • Use our Surrogate Auto Shopper, Denise Gediman, to help you find your new car—and save 0.15% off your rate. Just call 800.339.9034 or email her with the type of car you are searching for to (do not include personal information).
  • Find certified pre-owned cars through our partner, Enterprise Car Sales.

Let's get going on your car loan.

Apply Now

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Fill out an online application, or come see us at any branch.

For a loan pre-approval good for up to 60 days, apply online, visit any branch, or give us a call.

When LBS Financial obtains your credit score during the pre-approval process, the Credit Union will determine your loan rate based on your past financial history and credit. Take note that the Credit Union must obtain your credit report personally; they will not accept copies of credit reports from third parties.

We process most applications within one business day. Applications received over the weekend or holidays are processed the next business day. You may check your status by calling us.

There are a variety of ways to make a payment towards your LBS Financial loan.

LBS EasyPay

Use our LBS EasyPay service to make one-time or recurring payments to your LBS Financial Consumer Loan from an account at another financial institution. There is no fee for this self-service payment channel and it can be accessed from any browser on a computer or mobile device. Access LBS EasyPay.​

There’s no charge for this service.

​Schedule Recurring Payments through Online Banking:

You may establish a recurring transfer from your LBS Financial account to your LBS Financial loan. Log in to Online Banking to set up your automatic transfer.

There’s no charge for this service.

External Transfers

Transfer money from an account outside the Credit Union to your LBS Financial Savings or Checking account using Online and Mobile Banking, then transfer money to pay your loan from your LBS Financial account.

There’s no charge for this service.

​Make a Payment by Phone

For a minimal fee, you may make a payment from another financial institution to your LBS Financial Credit Union loan by calling 866.923.6404. View our Fee Schedule. You may also call 800.527.3328 to make a payment from your LBS Financial account to your LBS Financial loan at no cost to you.

In Person:

Visit one of our eight branches or any CO-OP Shared Branch in the United States to drop off your payment. Find a branch or ATM.


You may pay by mail by sending your check, along with a loan payment coupon or the remittance portion of your monthly billing statement (depending on the type of loan you have) to:

LBS Financial Credit Union
P.O. Box 4860
Long Beach, CA 90804-0860

LBS Financial will release the lien and the DMV will print and mail the title to the last known address of the person with the loan.

Yes. On time payments mean a higher credit score. LBS Financial reports borrower, co-borrowers, guarantors, and co-signers payment habits to all three major credit bureaus: Experian, Equifax and TransUnion.

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim.

To begin, please fill out a claim form. If you prefer, call 800. 621.6323 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.


CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Payment protection products include debt protection products available through the Credit Union.


*Subject to credit approval