Access of Louisiana Federal Credit Union

Vehicle & Recreational Loans

Serving Lake Charles, Sulphur, Westlake and surrounding areas in Calcasieu Parish

Farm & Garden Equipment Loans

Are you dreaming of updated equipment for your farm or have big plans for your next landscaping/grounds-keeping project? We can help with an affordable in-house loan at Access of Louisiana Federal Credit Union. Our new or used Farm & Garden Equipment loan is just what you need to get your property in shape. We finance many types of equipment, such as tractors, mowers, tillers and more so there’s no excuse to finally checking this honey-do off of your to-do list!

Our great low rates and quick approval process will get your project started in no time. There’s no prepayment penalty and with pre-approval, you’ll have all the leverage you need to shop around – apply online now (approvals are valid for 60 days).

We offer up to 110% financing for qualified borrowers and convenient payroll deduction (depending on your employer) or monthly payment coupons. Our Online Application only takes about 10 minutes to complete or apply in person at any branch location. Email us to request an application be mailed to you or we can fax to you!

New

Up to 84 months for as low as
4.95% APR*

Lake Charles Lawn

Used

Up to 84 months for as low as
5.50% APR*

Vehicle & Recreational Loans

Not a member? Not a problem.

If you live, work, worship or attend school in Calcasieu Parish, you are eligible for membership.

Auto Loans

New
Up to 60 months for as low as
2.65% APR*

Used
Up to 60 months for as low as
2.99% APR*

Boat Loans

New
Up to 60 months for as low as
4.95% APR*

Used
Up to 60 months for as low as
5.50% APR*

Motorcycle Loans

New
Up to 72 months for as low as
4.95% APR*

Used
Up to 60 months for as low as
5.50% APR*

Camper Loans

New
Up to 180 months for as low as
6.00% APR*

Used
Up to 96 months for as low as
7.00% APR*

Auto Loans

New

Up to 60 months
for as low as
2.65% APR*

Used

Up to 60 months
for as low as
2.99% APR*

Finance your next car or truck with us! With our great low rates and quick approval process, you’ll be in your new ride in no time. There’s no prepayment penalty and with pre-approval you’ll have all the leverage you need to shop around – apply online now (approvals are valid for 60 days).

Access of Louisiana Federal Credit Union can also save you money when you refinance your current loan from another financial institution. Your payment can be affordable with great terms up to 84 months, depending on the vehicle’s value. Additional terms and rates are available, including loan rate discounts when purchasing select loan protection products.

We also offer up to 110% financing for qualified borrowers and convenient payroll deduction (depending on your employer) or monthly payment coupons. Our Online Application only takes about 10 minutes to complete or apply in person at any branch location. Email us to request an application be mailed to you or we can fax to you!

Boat Loans

In Southwest Louisiana, Lake Charles, Sulphur, and Westlake are home to one of the most easily accessible waterways in the country. Don’t let it go to waste! Finance your new boat with Access of Louisiana Federal Credit Union!

Our great low rates and quick approval process will have you cruising on the water in no time. There’s no prepayment penalty and with pre-approval, you’ll have all the leverage you need to shop around – apply online now (approvals are valid for 60 days).

Access of Louisiana Federal Credit Union can also save you money when you refinance your current loan from another financial institution. Your payment can be affordable with great terms up to 72 months, depending on the vehicle’s value. Additional terms and rates are available, including loan rate discounts when purchasing select loan protection products.

We offer up to 110% financing for qualified borrowers and convenient payroll deduction (depending on your employer) or monthly coupons. Our Online Application only takes about 10 minutes to complete or apply in person at any branch location. Email us to request an application be mailed to you or we can fax to you!

New

Up to 60 months for as low as
4.95% APR*

Lake Charles Boat Loans | Personal Loans in Lake Charles, Louisiana

Used

Up to 60 months for as low as
5.50% APR*

Motorcycle Loans

New

Up to 72 months
for as low as
4.95% APR*

Used

Up to 60 months
for as low as
5.50% APR*

Dreaming of riding into the sunset on your new Motorcycle? Let Access of Louisiana Federal Credit Union help you get that new bike! With our great low rates and quick approval process, you’ll be cruising down the road in Lake Charles, Sulphur, Westlake and all of Calcasieu Parish and Louisiana in no time. There’s no prepayment penalty and with pre-approval, you’ll have all the leverage you need to shop around – apply online now (approvals are valid for 60 days).

Access of Louisiana Federal Credit Union can also save you money when you refinance your current loan from another financial institution. Your payment can be affordable with great terms up to 72 months, depending on vehicle’s value. Additional terms and rates are available, including loan rate discounts when purchasing select loan protection products.

We offer up to 110% financing for qualified borrowers and convenient payroll deduction (depending on your employer) or monthly payment coupons. Our Online Application only takes about 10 minutes to complete or apply in person at any branch location. Email us to request an application be mailed to you or we can fax to you!

RV and Camper Loans

Ready to get away from Lake Charles, Sulphur, Westlake, or Southwest Louisiana and planning a trip across the beautiful countryside? Need a way to get your old fraternity crew to the next game? Finance your next RV or Camper with us!

Access of Louisiana Federal Credit Union has great low rates and a quick approval process. Apply online now and you’ll be ready for that next trip or football game in no time.

There’s no prepayment penalty and with pre-approval you’ll have all the leverage you need to shop around (approvals are valid for 60 days). Access of Louisiana FCU can also save you money when you refinance your current loan from another financial institution. Your payment can be affordable with great terms up to 180 months, depending on the vehicle’s value. Additional terms and rates are available, including loan rate discounts when purchasing select loan protection products.

We offer up to 110% financing for qualified borrowers and convenient payroll deduction (depending on your employer) or monthly payment coupons. Our Online Application only takes about 10 minutes to complete or apply in person at any branch location. Email us to request an application be mailed to you or we can fax to you!

New
Up to 180 months for as low as
6.00% APR*

RV and Camper Loans | Personal Loans in Lake Charles, Louisiana


Used

Up to 96 months for as low as
7.00% APR*

Home Equity

FIXED RATE HOME EQUITY LOAN

If you are looking for a home equity loan in Lake Charles, Sulphur, Westlake, or all of Calcasieu Parish, Access of Louisiana Federal Credit Union helps many homeowners just like you!

What is Equity?
Equity is defined as “residual value of a business or property beyond any mortgage thereon and liability therein. “ In normal terms, you can calculate Equity in your home using the following formula:

Value of Home x 80% – Outstanding mortgage balance = Available Equity in Your Home

A good rule of thumb is the longer you have paid on your house since you bought it, the more equity you have built.

The loan limit is equal to the appraised value of the home X 80% minus any first mortgage.  The maximum term is 15 years and a loan amount of $500,000.00.  The rate is determined by the term and the borrower’s credit profile.  An application fee may apply.  Interest may be tax-deductible; consult a tax advisor to determine deductibility.

HOME EQUITY LINE OF CREDIT (HELOC)

Need to complete that unfinished home repair or never completed home addition? Maybe a HELOC is right for you. A home equity line of credit (HELOC) is different than a home equity loan. A HELOC is a loan in which the lender agrees to lend a maximum amount within an agreed period, where the collateral is the borrower’s equity in his/her house (akin to a second mortgage). Apply online now and we will assist you in finding out if a HELOC is right for you.

Home Equity Line of Credit | HELOC | Personal Loans in Lake Charles, Louisiana

Apply Today

Complete our online application!

You’ll be on your way to getting that new or used vehicle, boat, motorcycle, RV or camper!