New Auto Loans
Get pre-approved for a new auto loan with a low rate OR refinance your current rate to lower your monthly payment.
We make auto loans simple and affordable, whether you're purchasing a new or used vehicle, or bringing a loan to us to refinance. As a not-for-profit financial institution, Key Point Credit Union offers great rates, low fees, and personalized service.
What Members are Saying
"Very good auto loan rates! I have been looking at 6+ banks and this one has the best rate and great customer service." - Bowers Branch - Hang L.
Auto Loan Benefits
- Up to 125% financing All In for new vehicles and 120% financing All In for used vehicles (Up to 115% financing All In for new motorcycles and 110% financing All In for used motorcycles).**
- Repayment terms from 24 to 84 months.
- Auto loans for ITIN holders to help underserved residents with mobility.
- Fresh Start program available for members with challenged credit.
- Up to 80% financing of the total cost (including tax, license and documentation fees) of new or used boats, 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 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.
-
KeyPoint offers auto leasing options through designated Bay Area dealers.
Auto Loan Types
- 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 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.
 |
Access Costco Auto Program’s network of dealers for prearranged pricing and a simple buying process! Learn more. |
*APR=Annual Percentage Rate. Rates accurate as of 4/1/2025 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: $19.21 per month per $1,000 borrowed at 5.74% APR for 60 months.
**Includes tax, license, documentation fees, warranties and other dealer add-ons.
In the event there is a lapse in proper insurance coverage or you should fail to maintain proper insurance collateral protection insurance upon your loan, KeyPoint Credit Union may, at its discretion and at your cost, force place a policy upon your loan in order to protect both yourself and KeyPoint Credit Union as per the agreements set forth in your original loan documentation.