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Loans

We deliver great rates on loans and a quick and easy loan process. Whether you are purchasing a new car, paying for college, vacationing with a credit card, remodeling your home or buying a new home check out how Laramie Plains Federal Credit Union can help.

HOME LOANS

Feel right at home with a Home Loan from Laramie Plains Federal Credit Union. When it’s time for you to buy a new home or refinance your current mortgage, let us walk you through the steps of achieving that goal.

View rates and apply online! We’ll be in quick contact after we hear from you.  

Loan Calculator

Receive discounts on home insurance by being a member of Laramie Plains Federal Credit Union. Get a quote today at TruStage.

Life happens. Death, disability, unemployment and other unforeseeable events are simply a part of life that we want you to be prepared for.  That’s why we have partnered with TruStage to offer optional insurance if the unexpected does happen.

You can make your payments quickly and conveniently through Home Banking using several options with E-Services.


HOME EQUITY LOANS

When you need to leverage your home equity to finance other projects, we’re here with competitive rates, no application fee and quick, local decisions.

View rates and inquire online! We’ll be in quick contact after we hear from you.  

Loan Calculator

Life happens. Death, disability, unemployment and other unforeseeable events are simply a part of life that we want you to be prepared for.  That’s why we have partnered with TruStage to offer optional insurance if the unexpected does happen.

You can make easy payments through Home Banking using several options with E-Services.


AUTO LOANS

Whether you’re in the market for a new or used vehicle, we’ve got a loan for you!

Rates are as low as 2.24% APR*  INQUIRE NOW!

loPay Vehicle Loan

Like a lease, we offer monthly payments which are considerably lower than conventional financing. But unlike a lease, you own the vehicle.

Other benefits include:

  • New and pre-owned vehicles up to five years old qualify
  • Flexible loan terms up to 72 months!
  • No money down, no security deposit,  and no advance first or last payment required
  • No early payoff penalty. Refinance your current vehicle loan to reduce your monthly payments.
  • Vehicle upgrade potential
  • Vehicle ownership (titled in your name)
  • Yearly mileage available options: 12000, 15000, 18000

Inquire online about loPay vehicle financing.

If you are shopping at any of our Partner Dealerships, let them know you want a Laramie Plains Federal Credit Union member rate.

Loan Calculator

Receive automatic discounts on new loans with Loyalty Rewards.

Receive discounts on car insurance by being a member of Laramie Plains Federal Credit Union. Get a quote today at TruStage.

Life happens. Death, disability, unemployment and other unforeseeable events are simply a part of life that we want you to be prepared for.  That’s why we have partnered with TruStage to offer optional insurance if the unexpected does happen.

Have you been denied for an auto loan? Check out our Fresh Start loans.

Protect your budget and your savings with Debt Protection, Guaranteed Auto Protection (GAP) and Mechanical Breakdown Protection Insurance. Ask your loan officer for details.

You can make easy payments through Home Banking using several options with E-Services.

Skip a Pay

We get it! Sometimes your loan payment doesn’t quite fit into your monthly budget. Whether you need extra cash for the holiday season, an upcoming vacation or something else, you might need to take a break from your monthly payment. Our Skip a Pay program lets you skip your loan payment for one month for a low per-time fee. Free up the funds to take care of what you need or want, and then get right back to paying on your loan the very next month.

Summer Skip-a-Payment will be offered in June, July and August. Holiday Skip-a-Payment will be offered in November, December and January. 

*Annual Percentage Rate, subject to credit approval. Rate may vary depending on credit and underwriting factors.


Recreational Loans

Recreation comes in all shapes and sizes, and we have a loan to fit. Check with us first to finance or refinance your new or used recreational vehicles like fifth wheel trailers, motor homes, ATVs, UTVs and motorcycles.

Rates are as low as 3.24% APR*, fixed for Power Sport Vehicles and as low as 3.99% APR* for other recreational vehicles.

INQUIRE NOW.

If you are shopping at any of our Partner Dealerships, let them know you want a Laramie Plains Federal Credit Union member rate.

Loan Calculator

Receive automatic discounts on new loans with Loyalty Rewards.

Receive discounts on car insurance by being a member of Laramie Plains Federal Credit Union. Get a quote today at TruStage.

Life happens. Death, disability, unemployment and other unforeseeable events are simply a part of life that we want you to be prepared for.  That’s why we have partnered with TruStage to offer optional insurance if the unexpected does happen.

You can make easy payments through Home Banking using several options with E-Services.

Skip a Pay

We get it – sometimes your loan payment doesn’t quite fit into your monthly budget. Whether you need extra cash for the holiday season, an upcoming vacation or something else, you might need to take a break from paying off your loan. Our Skip a Pay program lets you skip your loan payment for one month at a low one-time fee. Free up those funds to take care of what you need to, and then get right back to paying off your loan the very next month.

Summer Skip-a-Payment will be offered in June, July and August. Holiday Skip-a-Payment will be offered in November, December and January. 

*Annual Percentage Rate, subject to credit approval. Rate may vary depending on credit and underwriting factors.


OVERDRAFT PROTECTION

CYA! Cover your account with an Overdraft Protection Line of Credit.

  • Save money on non-sufficient fund fees.
  • Save money on bad check fees from the merchants.
  • Save the embarrassment of having a check returned.
  • Have access to funds in an emergency.

INQUIRE NOW.


SIGNATURE LOANS

A personal loan can help you get into a new apartment, fund a trip, or pay off pressing debt and much more. Skip the red tape you find at megabanks. Receive personalized, local service and quick answers at Laramie Plains Federal Credit Union.

View rates and inquire online! We’ll be in quick contact after we hear from you.  

Loan Calculator

Receive automatic discounts on new loans with Loyalty Rewards.

Life happens. Death, disability, unemployment and other unforeseeable events are simply a part of life that we want you to be prepared for.  That’s why we have partnered with TruStage to offer optional insurance if the unexpected does happen.

Have you been denied for a personal loan? Check out our Fresh Start loans.

You can make easy payments through Home Banking using several options with E-Services.


VISA® CREDIT CARD

Wherever the adventure takes you, we’re there. Laramie Plains Federal Credit Union has the local card with worldwide reach.

Rates as low as 0% APR* introductory rate for 6 months! As low as 7.99% APR thereafter.

Are you carrying a balance on a high-interest credit card at another financial institution? When you open your Laramie Plains Federal Credit Union Visa Card you can transfer balances with no transfer fee!

Save time and money with local in-branch and home banking payments and information. Earn rewards on credit card purchases with our exclusive Cash for College.

Have you been denied a credit card? Check out our Fresh Start Credit Card.

INQUIRE NOW 

Credit Card Payment Calculator

You can make easy payments through Home Banking using several options with E-Services. And you can manage your credit card online.

*Rate stated as Annual Percentage Rate. Rate subject to change depending on credit. Rate could be as high as 17.99% Annual Percentage Rate. Normal credit granting criteria apply. Some restrictions apply.


FRESH START LOANS

Click here.


STUDENT LOANS

Get the money you need for school. Competitive interest rates - 3 repayment options - No origination fees. Smart Option Student Loan

The innovative Sallie Mae Smart Option Student Loan helps you save money, build your credit, and pay off your student loan faster. It’s an ideal education funding solution with competitive interest rates, repayment options and no origination fees.