Lending Products

Automobile Loans (Must Be Pre-Approved)

Car loans are available year-round for new and used vehicles. Used vehicles may be financed if they are 8 years old or less. Members can finance up to 100% of the loan, which can include tax, title, & license. Loans are structured at fixed rates with repayment schedules up to 60 months on used vehicles and 72 months on new vehicles. All loans are based upon credit worthiness of applicant.

We offer unbelievable rates when you purchase a vehicle from our partners at Enterprise Car Sales. Each vehicle comes with a 12-month/12,000 mile limited powertrain warranty, vehicle certification, 12-month roadside assistance, a free Carfax report, and a 7-day purchase agreement. Search for your perfect car online and let us finance it for you.

Unsecured (Personal) Signature Loans

An unsecured loan requires no collateral and can be used for your personal needs such as household appliances, furniture, weekend getaways and bill consolidation.

Seasonal Loans

Seasonal Loans are for Any Season, Any Reason and are available to members anytime during the year, every year. Many members take advantage of this loan. It is a great way to get cash for any purpose. Seasonal loans have a maximum maturity of 12 months with a loan limit of $2,000.00.

Share Secured Loans

A share secured loan fully secures a members loan, dollar for dollar for any purpose until the loan is paid.

Special Christmas Holiday Loans

Our Special Christmas Holiday Loan is designed to help members during the Holiday Season from October thru December. When members apply online for this loan it is processed and completed with greater speed and ease than ever! Members should set up their automatic payroll deduction and auto loan payment in advance. Just logon to www.louisianacentral.org and click on ItsMe247 to apply. You may also download and complete the application form and fax it, mail it or drop it off at our office.

Education / Tuition Loans

This loan is to help fund tuition expenses for grades K thru 12. With approved credit this loan is issued in the amount of the annual tuition and can be repaid in 10 or 12 months.

Switch-A-Loan

Switch your loan (s) to Louisiana Central. You can lower your rate and have no payments for up to 50 days. Our great rates and terrific terms are designed to save you money.

Home Equity Closed-End Loans

The Smart Way to Borrow. The probability is that your home is worth more now than when you purchased it. The difference between this increased value and your present mortgage can represent instant cash to you. Loans For Any Purpose: Whatever your reason for needing a loan — tuition, bills, a new car, or a vacation — home equity loans are an increasingly popular way to borrow. Tax Deductible Interest: While interest deductions for personal loans have been eliminated, interest on home equity loans may still be deductible on your tax return. Consult a tax advisor regarding the deductibility of interest. Call Today! Since interest rates are low, this is one of the best times to apply for a Home Equity Loan!

Home Mortgage Loans

Louisiana Central’s first mortgage real estate lending program is designed with you in mind. Whether you are a First-time home buyer, refinancing an existing loan or need a construction loan we have a Select Loan Program to meet your need and budget.

The Web Mortgage Lending Process is easy and fast. Just select the type of loan you want, answer some questions online and then you can decide on the best type of loan for your personal circumstances.

We can provide you a variety of loan options based on: Your monthly income, how much you owe, how much you want to spend on your new house, or if you’re refinancing, how much do you still owe, how much you have to put down, how long you’re planning to stay in your new home, and how much flexibility you have with your monthly payments.

Cucumbers Home Loan