Auto Loans

Get that New Car Smile

WITH RATES AS LOW AS: 2.24% APR*

Whether you're looking for a new or used vehicle, we make it easy to hit the road with low rates and no payments for 90 days. 

  • Up to 100% financing for new and used vehicles
  • Repayment terms from 24 to 84 months
  • Up to 80% financing of the total cost (including tax, license and documentation fees) of new or used boats, motorcycles and recreational vehicles
  • Financing available for private party purchases from a friend or family member
  • Clear title loans give you quick cash by borrowing against the the value of your paid-off vehicle
  • Refinancing options available
  • Enterprise Car Sales offer KeyPoint members discounts on used car purchases, loans and rentals
  • Our Starting Point services can provide new college graduates and newcomers to the U.S. their first auto loans

*APR=Annual Percentage Rate. Rates accurate as of 8/1/2021 and subject to change. All loans and terms are subject to credit approval. Rate is based on credit worthiness and other factors and may be higher than the rate shown. Payment example: $42.65 per month per $1,000 borrowed at 2.24% APR for 24 months.

Find out how much you can borrow, without impacting your credit score

We'll let you know your potential borrowing limits and possible interest rate. And we'll do it without any negative impact on your credit score.

If you like the terms, you can apply quickly. Keep in mind, all loans are subject to full underwriting and credit approval, and the final terms may vary depending on credit product selection and other factors.

Start your prequalification process today.

Auto Loans

  • New Autos: For current model years, we offer financing up to 100%, and terms from 24-84 months. No first payment due for up to 90 days.
  • Used Autos: For vehicles up to 10 years old, you can choose a term of 24-84 months, as well as financing up to 100% and no payment due for up to 90 days.
  • Recreational Vehicles: Looking to buy a new or used boat, motorcycle or RV? We can help you finance up to 80% of the purchase price, including tax, license and documentation fees. For used recreational vehicles, financing is available up to 80% of the Wholesale Blue Book Value plus tax, license and documentation/recording fees.
Auto Loans – New and Used
Rates Effective: 8/1/21
New and Used 24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
New Auto: 2021 and newer; 2020 with under 5K miles 2.24% - 19.00% 2.49% - 19.00% 2.74% - 19.00% 2.74% - 19.00% 2.99% - 19.00% 3.49% - 19.00%
Used Auto: 2014 – 2020 with 5K miles or more 2.49% - 19.00% 2.74% - 19.00% 2.99% - 19.00% 2.99% - 19.00% 3.24% - 19.00% 3.74% - 19.00%

Loan rates on 2011 to 2013 model years are 2.00% higher than the rate for which the applicant otherwise qualifies.

Minimum loan amount is $5,000 (exceptions are possible for <$5,000).

*90-day Deferral of First Payment is available to qualified applicants on all programs.

Rates accurate as of 8/1/2021 and subject to change. All loans and terms are subject to credit approval. Rate is based on credit worthiness and other factors and may be higher than the rate shown.

Payment Examples:

  • Pay $22.03 per month per $1,000 borrowed at 2.74% APR for 48-months
  • Pay $13.10 per month per $1,000 borrowed at 3.49% APR for 84-months
Recreational Vehicles and Boats under 28ft
Rates Effective: 8/24/20
Loan to Value APR Loan Amount Term (Months)
61% - 80% (new) 10.95% $2,500 or more 24 - 120
less than 60% (new) 10.75% $2,500 or more 24 - 120
61% - 80% (used) 11.95% $2,500 or more 24 - 120
less than 60% (used) 11.75% $2,500 or more 24 - 120

Maximum LTV is 80% plus tax, license, and all documentation/recording fees.

Minimum loan amount is $2,500.

Rates accurate as of 8/24/20 and subject to change. 

PAYMENT EXAMPLES:

  • Pay $13.75 per month per $1000 borrowed at 10.95% APR for 120 months
  • Pay $14.32 per month per $1000 borrowed at 11.95% APR for 120 months

KeyPoint offers several protection plans that can help you pay off your loan, supplement your traditional auto insurance or extend your vehicle warranty. Call (888) 255-3637 to ask a KeyPoint representative for more information and a free quote.

Credit Protection1: In the event of death, disability or involuntary unemployment, Credit Protection with Life Plus will pay off the remainder of your vehicle loan.

Mechanical Repair Coverage2: After your factory warranty expires, you can end up paying a lot of money for common repairs. Mechanical Repair Coverage (MRC) covers work on your engine, transmission, electrical systems and more, limiting your out-of-pocket costs to any applicable deductible.

Guaranteed Asset Protection Plus3: GAP can save you a significant amount of money if your vehicle is stolen or damaged beyond repair. It pays you the difference between your insurance settlement and the balance of your vehicle loan.

1 Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

2 Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in WA, where coverage is provided and administered by Automotive Warranty Services, Inc., in FL, LA, OK and WI, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, (800) 752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI), it is underwritten by Virginia Surety Company, Inc. Coverage varies by state. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product.

3 Your purchase of MEMBER’S CHOICETM Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.

Some Payment Protection Options may not be available on loans covered by the Military Lending Act.

  • What you will need to apply:
    • Valid government issued photo ID
    • Valid auto insurance
    • Most current paystub (if requested)
  • If you're purchasing from a dealership, you'll also need:
    • Signed sales contract
  • If you're purchasing from a private party (clear title), you'll also need:
    • Original title
    • Vehicle registration
    • Valid government issued photo ID for both buyer and seller
    • Current mileage
    • Total purchase price of vehicle
    • Smog certificate (If applicable)
    • DMV sales tax and fees will apply
    • Note: Seller and buyer must be willing to go to branch to sign original DMV documents.
  • If you're purchasing from a private party (lien on title), you'll also need:
    • Account payoff information from current lender
    • Vehicle registration
    • Valid government issued photo ID for both buyer and seller
    • Current mileage
    • Total purchase price of vehicle
    • Smog certificate (if applicable)
    • DMV sales tax and fees will apply
    • Note: Seller and buyer must be willing to go to branch to sign DMV documents.
  • If you're buying out a lease, you'll also need:
    • Lease paperwork or odometer disclosure from leasing company
    • Lease payoff information from leasing company
    • Vehicle registration
    • Current mileage
    • DMV sales tax and fees will apply
  • If you're refinancing from another lender, you'll also need:
    • Account payoff information from current lender
    • Vehicle registration
    • Current mileage
  • If you're getting a cash out title loan, you'll also need:
    • Original title
    • Vehicle registration
    • Current mileage
    • Note: Wholesale loan to value restrictions apply.
  • If you're applying for the Starting Point program, you'll need:
    • Most current paystub or signed offer letter
    • Valid government issued photo ID
    • Social Security number
    • Verification of residence
    • Minimum 10% down payment