Loans

What are you dreaming about? Taking an extended vacation to an exotic destination or escaping for a relaxing long weekend? Driving a reliable car that seats everyone comfortably? Sending your children to college? Remodeling your home?

With our line of innovative loan products, we can help make your dreams a reality. LRRCU members enjoy excellent rates and even better customer service on every type of loan we offer. Apply for a loan online, at one of our branches, or by calling 717-295-6685 or 800-995-6685.

Need help determining how much of a loan you need? Use our loan calculators.

Signature Loans

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Like things quick and painless? Need up to $15,000? A Signature Loan is probably the way to go. The money can be used for almost anything you’d like, from bill consolidation or tuition, to weddings or vacations. LRRCU offers three convenient types of personal loans: unsecured, share secured and certificate secured.

To apply for a signature loan, click here

  • Financing terms as long as 60 months
  • No Prepayment Penalties!
  • Competitive rates

Unsecured Signature Loans Rates

ScoreAPR12 Month APR
750+7.00%6.50%
720-7498.00%7.00%
700-7199.00%8.00%
680—69910.00%9.00%
650—67911.00%10.00%
600—64912.00%11.00%
< 59914.00%12.00%

APR = Annual Percentage Rate / DTI = Debt to Income Ratio
*Rates & Terms are Determined by Credit Score & Subject to Change Without Notice

Is your credit up to par? Find out for free at annualcreditreport.com or get your FREE Credit Review from LRRCU today!

Vehicle Loans

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No matter how you roll, chances are you’ll find a LRRCU vehicle loan for your next ride. With low rates, flexible terms and friendly people waiting to quickly and easily walk you through the process, LRRCU can help. Need help calculating the affordability of purchasing a new or used vehicle? Use our vehicle calculator.

New & Used Auto Loans Rates

Score36 Month APR48 Month APR60 Month APR
750+1.99%1.99%2.99%
720-7491.99%1.99%2.99%
700-7192.99%2.99%3.99%
680—6993.99%3.99%4.49%
650—6794.49%4.49%5.49%
600—6496.49%6.49%7.49%
< 59910.99%10.99%11.99%

APR = Annual Percentage Rate / DTI = Debt to Income Ratio
*Rates & Terms are Determined by Credit Score & Subject to Change Without Notice

New & Used (Cars, Trucks, Motorcycles)

Finance up to 100% of the purchase price or loan vehicle value in the current NADA Used Car Cost Guide, including tax and license. Used vehicle must be less than 7 years old. To apply for a vehicle loan, click here.

Older Models

Borrow up to 100% of the loan value of vehicles in NADA for older cars/trucks. Classic Cars are 7 years or older and must carry a minimum value of $3,500. To apply for a vehicle loan, click here.

Power/Sport/Classic Car Loan Rates

ScoreAPR
750+2.99%
720-7493.49%
700-7194.49%
680—6995.49%
650—6795.99%
600—6497.99%
< 59912.49%

APR = Annual Percentage Rate / DTI = Debt to Income Ratio
*Rates & Terms are Determined by Credit Score & Subject to Change Without Notice

Recreational Vehicle & Power/Sport (RVs, Boats, Jet Skis, ATVs)

Begin enjoying the great outdoors with convenient terms up to 120 months. Certain restrictions apply, contact a member representative for detail at 717-295-6685 or email us with your question. To apply for a vehicle loan, click here.

RV Loans Rates

Score60 Month APR84 Month APR120 Month APR
750+6.50%7.00%7.50%
720-7497.00%7.50%8.00%
700-7197.50%8.00%8.50%
680—6998.00%8.50%9.00%
650—67910.00%10.50%11.00%
600—64911.00%11.50%13.00%
< 59912.50%13.00%13.50%

APR = Annual Percentage Rate / DTI = Debt to Income Ratio
*Rates & Terms are Determined by Credit Score & Subject to Change Without Notice

Useful links:

Find values of vehicles anytime with NADA. Is your credit up to par? Find out for free at annualcreditreport.com. FREE Credit Review by LRRCU

The LRRCU Smart Option Student Loan by Sallie Mae®

salliemae

For borrowers attending degree-granting institutions

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Now you can pay for college the smart way with three great repayment options and competitive interest rates! The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibility
  • No origination fees and no prepayment penalty
  • Borrow up to 100% of school certified education costs (minimum $1,000)
  • Multiple in-school repayment options available
  • Borrower benefits available-like rewards and interest rate reductions
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • Get a quick credit result by applying online. It’s quick, easy, and only takes about 15 minutes to apply.
  • 24/7 online account management

To learn more or to apply, please get started here. We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

Car Insurance Options Provided By Liberty Mutual:

Savings you can count on: As a member of Lancaster Red Rose Credit Union, you could save hundreds of dollars a year on car and home insurance with Liberty Mutual. Liberty Mutual Local Representative: Anita Carlevale LUTCF 1850 William Penn Way, Suite 104 Lancaster, PA 17601   717-443-8780 Anita.Carlevale@LibertyMutual.com www.LibertyMutual.com/AnitaCarlevale Fax #1-888-556-5569

Enterprise Car Sales:

enterprise

Get pre-approved for a used auto loan today and learn more about our partnership with Enterprise Car Sales. Don’t forget to ask us who Andrew is when you arrive.

 

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