Thank you for your interest in Lacasa’s Auto Loan Program. This form helps us learn more about your situation so we can determine eligibility and next steps. Please complete the form below, and a member of our team will follow up with you.
Applicants must reside in Elkhart or St. Joseph County, be employed, and have a credit score of 600 or lower (TransUnion FICO 4). Applicant income must fall at or below $71,600.
You can apply for a loan ranging from $6,000 to $12,000—matched to your transportation needs and budget.
1. Submit the online inquiry form.
2. Meet one on one with a Lacasa coach to finalize your application and plan.
3. Complete financial education, submit documentation, and adhere to program requirements.
4. Purchase your vehicle and begin repayments.
Every borrower receives individual financial coaching, credit-building support, and education resources to help ensure long-term financial stability. Borrowers will have access to their financial coach for the life of their loan. This allows them to reach out to receive support if they lose a job, have an unexpected expense, or are falling short in their budget.
Reliable transportation is crucial for maintaining employment and supporting families. Traditional financing often isn’t available for individuals with lower credit scores.
Loan servicing is handled in partnership with Interra Credit Union to ensure reliable and professional management of your repayment.
Begin by completing the inquiry form on the Auto Loans page. A Lacasa team member will respond to guide you through eligibility, coaching, and next steps.
Yes! There’s no penalty for early repayment, and doing so can save you money on interest and help build your credit more quickly. We encourage people who have built their credit score while having their loan to apply to refinance their loan at another financial institution for a lower interest rate if it’s available to them.
