Auto Loans | New & Used Vehicle Financing
Auto Loans in Lincoln, NE & Lancaster County - New, Used and Refinance Options
LincOne Federal Credit Union offers competitive auto loan rates for Lincoln and Lancaster County drivers, with no application fee and a straightforward in-person and online application process.
Apply For an Auto Loan Today Schedule an Appointment with a Relationship Advisor Search Vehicles Have an Advisor Contact Me
1% Below Your Current Rate
Competitive Local Rates
Rates as low as 4.00%* APR. Set locally, not by a national algorithm.
90 Days - No Payment
Fast, Local Decisioning
Apply online in minutes; a LincOne Relationship Advisor follows up personally.
No Application Fee
No Application Fee
Keeping money local means not charging you fees that don't need to exist.
How much can I save by refinancing my auto loan with LincOne?
Enter your current auto loan details. We'll show your estimated new rate and monthly savings. No application required.
What Is a Flex Auto Loan?
LincOne's Flex Auto Loan gives you an alternative to traditional financing. Enjoy lower monthly payments by financing a portion of the vehicle's value, with flexible options at the end of your term.
New & Used Auto Loans
- Fixed monthly payments
- Pay off vehicle fully
- Own outright at term end
- Competitive low rates and monthly payments
Flex Auto Loan
- An average of 30-40% lower monthly payments
- You own the vehicle (titled in your name) during the loan term
- Flexible loan terms give you the ability to trade sooner
- You have the option to sell, trade-in, or refinance with no prepayment penalties during your loan term
- Sell, trade, or refinance at the end of your loan term
- Guaranteed Future Value and Buyer at loan maturity
- Use our Flex Auto Loan Calculator to estimate costs.
Apply for a Flex Auto Loan Today Schedule an Appointment with a Relationship Advisor Search Vehicles Have an Advisor Contact Me
How Auto Refinancing Works With LincOne - 4 Simple Steps
1
Use the Refinance Calculator
Enter your current loan details in the calculator above and see how much you'd save with LincOne's rates.
2
Apply Online
Apply online in a matter of minutes. After applying, a Relationship Advisor will reach out to you in a timely manner. Have your current lender's payoff statement ready.
3
We Pay Off Your Old Loan
LincOne handles the payoff to your current lender directly. Zero hassle for you.
4
Enjoy Your New Ride, With Peace of Mind
Once approved, your new loan is in place, and you're ready to enjoy your vehicle!
Auto Loan Rates, Lincoln, NE
7/31/2026
2024, 2025, and 2026 Vehicles
Membership minimum balance of $25 required.
| Terms up to | APR | Approximate Monthly Payment Per $1,000.00 |
|---|---|---|
| 36 Month | As low as 4.00%* | $29.96 |
| 48 Month | As low as 4.15%* | $22.85 |
| 60 Month | As low as 4.50%* | $18.97 |
| 72 Month | As low as 5.25%* | $17.01 |
| 84 Month | As low as 6.00%* | $14.98 |
Rates subject to change without notice and with approved credit. Payment Example: On a $20,000.00 new auto loan, 60 month term with 4.50% APR, the monthly payment would be approximately $373.00. *All Closed End Loan Rates include .50% off for automatic payments made from LincOne Checking Account. All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1% | ||
Membership minimum balance of $25 required.
| Terms up to | APR | Approximate Monthly Payment Per $1,000.00 |
|---|---|---|
| 24 Month | As low as 4.50%* | $43.96 |
| 36 Month | As low as 4.75%* | $30.02 |
| 48 Month | As low as 5.00%* | $22.98 |
| 60 Month | As low as 5.25%* | $19.10 |
| 72 Month | As low as 6.00%* | $17.05 |
Rates subject to change without notice and with approved credit. *All Closed End Loan Rates include .50% off for automatic payments made from LincOne Checking Account. All rates advertised require an autopay from a LincOne Checking Account. Payment Example: On a $15,000.00 vehicle loan, 60 month term with 5.25% APR, the monthly payment would be approximately $285.00. *All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1% | ||
Vehicles 5 years old or newer qualify for the Flex Auto financing
Rates quoted for Flex Auto are on 2024 or newer vehicles.Membership minimum balance of $25 required.
| Terms up to | APR | Approximate Monthly Payment Per $1,000.00 |
|---|---|---|
| 36 Month | As low as 4.00%* | $29.85 |
| 48 Month | As low as 4.15%* | $22.95 |
| 60 Month | As low as 4.50%* | $18.97 |
| 72 Month | As low as 5.25%* | $16.44 |
| 84 Month | As low as 6.00%* | $14.96 |
Rates subject to change without notice and with approved credit. Payment Example: On a $20,000.00 new auto loan, 60 month term with 4.50% APR, the monthly payment would be approximately $373.00. *All Closed End Loan Rates include .50% off for automatic payments made from LincOne Checking Account. All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1% | ||
Apply For an Auto Loan Today Schedule an Appointment with a Relationship Advisor Search Vehicles Have an Advisor Contact Me
Click here to see your vehicle protection options
Our goal is to make your vehicle purchase easy and enjoyable. Apply online or contact a Relationship Advisor today @ 402.441.3555 / 888.790.7261.
All financing is subject to LincOne FCU’s standard underwriting guidelines and credit evaluation. Offers cannot be combined. Membership eligibility and $25 savings account are required. Rates subject to change without notice. With approved credit. Federally insured by NCUA.
Opened an auto loan recently with LincOne and need to verify your insurance? Scan the QR code below or click here to verify your auto insurance easily.
Auto Loans FAQs (Frequently Asked Questions)
Do I need to be a Lincoln or Lancaster County resident to get an auto loan with LincOne?LincOne’s membership is open to anyone who lives, works, worships, or attends school in Lancaster County. If you qualify under any of these criteria, you don’t have to live specifically in Lincoln to join. We proudly serve the Lincoln metro and surrounding communities, including Seward, York, Wahoo, Milford, and Beatrice. Membership is simple and requires just a $25 savings account.
What is a Flex Auto Loan and is it available to Nebraska buyers?A Flex Auto Loan is LincOne's alternative to traditional financing that delivers 30–40% lower monthly payments by financing only a portion of the vehicle's value, not the full purchase price. You own the vehicle (it's titled in your name) during the loan term, and at the end, you can sell, trade in, or refinance with no prepayment penalty. Flex Auto is available to LincOne members throughout Nebraska and is designed for vehicles five years old or newer. It's a popular option for Lincoln and Lancaster County drivers who want to upgrade their vehicles more frequently.
How do I apply for an auto loan at LincOne, and can I do it online from anywhere in Nebraska?Yes, you can apply entirely online at apply.linconefcu.org in just a few minutes, no branch visit required. After submitting your application, a LincOne Relationship Advisor will reach out promptly. If you prefer to talk through your options first, you can schedule an appointment online or call 402.441.3555. LincOne has three branch locations in Lincoln, NE (4638 W Street, 2500 N Street, and 6700 S 70th Street) with lobby hours Monday–Friday, 9 am–5 pm.
What credit score do I need to get an auto loan with LincOne in Lincoln, NE?LincOne evaluates all auto loan applications based on its standard underwriting guidelines, which consider your credit history, income, and the vehicle's value, not just a single credit score cutoff. If you're not sure where your credit stands, LincOne members have free access to SavvyMoney credit monitoring through online banking. You can also connect with a Relationship Advisor who can walk you through your options before you apply.
Can I get an auto loan in Lincoln, NE if I'm a first-time car buyer with little credit history?LincOne works with first-time buyers throughout the Lincoln and Lancaster County area. As a not-for-profit credit union, our Relationship Advisors take a more personal approach to underwriting. We look at your full financial picture, not just a credit score. If you're just starting to build credit, LincOne also offers SavvyMoney through online banking, so you can monitor your score for free and understand what lenders look for. Call 402.441.3555 or schedule an appointment online to talk through your situation before applying.
Does LincOne offer GAP insurance or extended warranty protection for vehicles financed in Nebraska?Yes. LincOne offers vehicle protection options, including GAP coverage and extended warranty products. These protection options can be added to your auto loan at closing. GAP (Guaranteed Asset Protection) covers the difference between what you owe on your loan and what your vehicle is worth if it's totaled or stolen, which is especially valuable in the first few years of a loan. You can learn more at linconefcu.org/borrow/protection-options or ask your Relationship Advisor when you apply.
I just got an auto loan with LincOne. How do I verify my insurance?LincOne makes it easy to verify your auto insurance after closing. Simply visit mycoverageonline.com/linconefcu or scan the QR code on your loan documents. This takes just a few minutes and ensures your loan remains in good standing. Nebraska state law requires continuous auto insurance coverage, so be sure to keep your policy current and update LincOne any time your coverage changes.
Ready to Drive Smarter?
Join thousands of members in the Lincoln/Lancaster County community who trust LincOne for their Auto Financing, and help us Keep Money Local.
Apply For an Auto Loan Today Schedule an Appointment with a Relationship Advisor Search Vehicles
Call 402.303.4660
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