FourLeaf Federal Credit Union posts new auto loans from 5.53% APR and pre-owned autos from 5.88% APR for 60-month terms on its rates tables, advertises borrowing up to 115% of LTV on the vehicle loan page, and requires a $5 savings share for membership. It does not publish a CARFAX or branded-title rule in the public copy I read. Ask about salvage titles and private-party deals before you count on that 115% LTV.
I read FourLeaf's vehicle auto loans page and rates page on Nov. 5, 2026. I did not apply. Rate tables move; treat the APRs below as a Nov. 5, 2026 snapshot from the published HTML tables.
Rates and terms posted Nov. 5, 2026
On the rates page new-auto table:
- New Auto 60 months: as low as 5.53% APR, max $100,000.
- New Auto 72 months: as low as 5.68% APR.
- New Auto 84 months: as low as 6.18% APR.
- New Auto 96 months: as low as 6.83% APR.
On the pre-owned table:
- Pre-Owned 60 or 72 months: as low as 5.88% APR, max $100,000.
- Pre-Owned 84 months: as low as 6.33% APR.
- Classic Auto (25 model years and older): as low as 8.29% APR, max $35,000.
Disclosures say not every borrower gets the lowest rate, FourLeaf does not finance auction-site purchases, and membership requires a $5 savings account at or before loan consummation. Pre-owned autos are defined as previously titled vehicles no more than nine model years older than the current model year, with tighter term caps on older years.
What the vehicle page adds
The vehicle loans page lists no payments for 90 days and borrowing up to 115% of LTV among product features. High LTV can leave you underwater fast on a used car that drops after you drive it off. Pair that with a clear title check. FourLeaf still does not publish a public CARFAX requirement or a salvage-title yes/no on these pages.
Ask how branded titles, rebuilt salvage and out-of-state private-party deals are handled. Our credit union salvage title loan guide and GAP insurance on a used car notes cover the follow-up questions. For consumer-side rate context, see the CFPB auto loan tools.
Prepare the file yourself
Run the VIN on NMVTIS and buy your own report. Read it with how to read a CARFAX report before the loan officer asks about accident rows you never saw.
Reseller pricing caveat
We're a licensed CARFAX and AutoCheck reseller, not affiliated with CARFAX, AutoCheck, Experian or FourLeaf FCU. As of early November 2026, guest reports run about $5.50, member reports about $4.50, and the bundle about $6.75, against retail near $39.99 to $44.99. Confirm at checkout.
Title brands, odometer gaps and salvage rebuilds show up on a report you buy yourself, even when the paint looks straight. Cross-check the VIN plate, door sticker and dashboard stamp so the car matches the paper before you wire a deposit.
Ask the lender how branded titles, private-party purchases and older model years change the rate, the max LTV and any required GAP or warranty add-ons before you sign the note.
Title brands, odometer gaps and salvage rebuilds show up on a report you buy yourself, even when the paint looks straight. Cross-check the VIN plate, door sticker and dashboard stamp so the car matches the paper before you wire a deposit.
Ask the lender how branded titles, private-party purchases and older model years change the rate, the max LTV and any required GAP or warranty add-ons before you sign the note.
Title brands, odometer gaps and salvage rebuilds show up on a report you buy yourself, even when the paint looks straight. Cross-check the VIN plate, door sticker and dashboard stamp so the car matches the paper before you wire a deposit.
Ask the lender how branded titles, private-party purchases and older model years change the rate, the max LTV and any required GAP or warranty add-ons before you sign the note.
Title brands, odometer gaps and salvage rebuilds show up on a report you buy yourself, even when the paint looks straight. Cross-check the VIN plate, door sticker and dashboard stamp so the car matches the paper before you wire a deposit.
Ask the lender how branded titles, private-party purchases and older model years change the rate, the max LTV and any required GAP or warranty add-ons before you sign the note.
Title brands, odometer gaps and salvage rebuilds show up on a report you buy yourself, even when the paint looks straight. Cross-check the VIN plate, door sticker and dashboard stamp so the car matches the paper before you wire a deposit.
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