Auto Loans · Lafayette, Louisiana
11 credit unions in Lafayette report car loan rates to the NCUA. Rates range from 3.99% to 6.11%.
Updated Q1 2026 · NCUA Call Report data
11
CUs Reporting Rates
3.99%
Lowest New Car Rate
4.91%
City Average Rate
11 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | UNIVERSITY OF LOUISIANA ★ 4.0 · 19 reviews | 3.99% | 6.59% |
| 2 | IMMACULATE HEART OF MARY | 4.00% | 3.50% |
| 3 | ACADIANA MEDICAL ★ 4.4 · 12 reviews | 4.00% | 4.00% |
| 4 | ACADIAN ★ 5.0 · 4 reviews | 4.59% | 7.67% |
| 5 | P.H.I. ★ 5.0 · 4 reviews | 4.99% | 4.99% |
| 6 | COGIC ★ 4.0 · 19 reviews | 5.05% | 12.00% |
| 7 | MAPLE ★ 4.5 · 44 reviews | 5.15% | 5.60% |
| 8 | 3RD DISTRICT HIGHWAY ★ 5.0 · 1 reviews | 5.25% | 5.50% |
| 9 | FIRST PIONEERS ★ 4.2 · 70 reviews | 5.42% | 7.29% |
| 10 | MERITUS ★ 3.3 · 79 reviews | 5.50% | 7.12% |
| 11 | 705 ★ 4.0 · 12 reviews | 6.11% | 7.56% |
11 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | IMMACULATE HEART OF MARY | 3.50% | 4.00% |
| 2 | ACADIANA MEDICAL ★ 4.4 · 12 reviews | 4.00% | 4.00% |
| 3 | P.H.I. ★ 5.0 · 4 reviews | 4.99% | 4.99% |
| 4 | 3RD DISTRICT HIGHWAY ★ 5.0 · 1 reviews | 5.50% | 5.25% |
| 5 | MAPLE ★ 4.5 · 44 reviews | 5.60% | 5.15% |
| 6 | UNIVERSITY OF LOUISIANA ★ 4.0 · 19 reviews | 6.59% | 3.99% |
| 7 | MERITUS ★ 3.3 · 79 reviews | 7.12% | 5.50% |
| 8 | FIRST PIONEERS ★ 4.2 · 70 reviews | 7.29% | 5.42% |
| 9 | 705 ★ 4.0 · 12 reviews | 7.56% | 6.11% |
| 10 | ACADIAN ★ 5.0 · 4 reviews | 7.67% | 4.59% |
| 11 | COGIC ★ 4.0 · 19 reviews | 12.00% | 5.05% |
A pre-approval from a Lafayette credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Lafayette in the same window and take the best offer.
See member reviews, branch locations, and full rate details.