Fresh Start Auto Loan
A program for auto buyers with challenged credit!
Nobody's perfect. We understand that you might have some credit hiccups—that's why we offer an auto loan program for Members with challenged credit.
Terms:
- Loan amount from $5,000 to $40,000
- Up to 100% financing
- Min. down: 10% (FICO of 550-639); 15% (FICO of 475-549)
- Proof of Income: Pay stub within 30 days (with YTD totals) and 2 years of tax returns for self-employed
- Current employment: 3 months minimum
- Up to 120K mileage
- Repayment terms up to 66 months*
- Requires the installation of a remote GPS disablement system.**
KeyPoint Membership required.
All loans subject to credit approval. Available rates and terms subject to change. *Payment sample: Pay $22.48 per month per $1000 borrowed at 15.24% APR for 66 months. Sample APR available to highly qualified applicants as of 09/16/2025; subject to change without notice. Actual rates offered to approved applicants depend on factors we may lawfully consider such as credit history and term selected. **KeyPoint will not fund loan until GPS device is installed by a service provider of KeyPoint’s choice.