Auto Loans

Great rates and excellent service come standard at KeyPoint
Apply Now Check My Rate
Up to 130% financing for new vehicles, 125% financing for used vehicles*
Repayment terms from 24 to 84 months
Financing available for private-party purchases from friends and family
Refinancing options available to help you save money

Get rolling with rates as low as 3.29% APR* on your next Auto Loan

You lean heavily on your vehicle every day to get where you need to go. We help you find a loan to fit your budget and daily demands. KeyPoint Credit Union financing means quick approvals by local people, rates that save you money and flexible repayment options to make things easier. And you won't have to make your first payment for up to 90 days. For purchases or refinances, KeyPoint is your answer.

Better auto loans and a better way to go
Apply Now Check My Rate

ITIN Auto Loans

If you're a KeyPoint Member, we can help you get an auto loan regardless of your citizenship status.

  • Enjoy the same competitive rates as other Members
  • Even if you have no credit history, you can qualify for an auto loan 
  • Choose from various repayment terms to fit your budget 
  • Enjoy a simple online or in-person application process

Starting Point Program

New to the U.S. or fresh out of college, this program makes it easier for you to get your first auto loan.

Learn More

Fresh Start Auto Loans

Even if your credit score isn't great, you can get an affordable loan from KeyPoint.

Learn More

Clear Title Loans

If your vehicle is paid off, you can borrow against its value for quick access to cash.

Auto Refinance

When your auto loan needs a tune-up, bring it to us where refinancing could help you save money.

Learn More

Auto Leasing

Get KeyPoint financing directly from one of our preferred leasing dealers in the Bay Area, and work with us when you want a stress-free lease buyout experience.

Learn More

Enterprise Car Sales

You know about Enterprise from renting cars when you travel. As a KeyPoint Member, you can purchase high-quality, affordable used vehicles from them, too. The no-haggle prices and large inventory make the process hassle-free.

Learn More

Costco Auto Program

If you're a Costco member, you can now shop for vehicles along with your other household purchases. KeyPoint works with the Costco Auto Program to offer you prearranged pricing and a simple buying process – with financing from us. Shop new and pre-owned vehicles easily from hand-selected dealerships nationwide.

And when you purchase your vehicle through the Costco Auto Program, you get a $65 Costco Shop Card.***

Shop Now

What You Need to Apply

  • Valid government issued photo ID
  • Valid auto insurance
  • Most current paystub (if requested)
  • Signed sales contract
  • 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.
  • 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.
  • 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
  • Account payoff information from current lender
  • Vehicle registration
  • Current mileage
  • Original title
  • Vehicle registration
  • Current mileage
  • Most current paystub or signed offer letter
  • Valid government issued photo ID
  • Social Security number
  • Verification of residence
  • Minimum 10% down payment

Payment Protection

Take care of your vehicle and your finances by adding these services to your KeyPoint Auto Loan.

Major Mechanical Protection (MMP)*

Protect yourself from costly automobile repairs and enjoy your vehicle longer with MMP, which often costs much less than a single repair. Your coverage may include all or some of the following benefits:

  • Comprehensive repair coverage
  • 24-hour roadside assistance
  • Lost key and lockout assistance
  • Emergency tire repair
  • Rental car reimbursement
  • Trip interruption expense reimbursement
  • Repairs can be done at most licensed repair facilities
  • MMP transfers to a new owner, adding to resale value

* Major Mechanical Protection (MMP) is an optional contract borrowers can purchase if they wish. MMP is sold by KeyPoint but the MMP contract is between a third- party provider and the borrower. MMP cost and terms are available prior to purchase. Available on most vehicles.

GAP Advantage™*

The unfortunate situation: Your vehicle is totaled in an accident or stolen and not recovered. The reality: Settlement money you receive from an insurance payout may not be enough to pay off your KeyPoint Auto Loan. GAP Advantage can make up that difference.

Keep in mind, there are eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under GAP. Purchase of GAP is optional and will not affect KeyPoint's credit decision. GAP cost, terms, and restrictions will be available prior to purchase.

Loan Payment Protection™*

When a tragedy occurs, Loan Payment Protection (LPP) may pay off your loan in the event of death, or make payments on your behalf in the event of a disability or involuntarily unemployment. LPP may be available for personal credit cards, auto loans, personal consumer loans and home equity loans. Costs and terms of coverage will be available prior to purchase.

Rates you'll love
Mortgage Loans
Open the door to your dream home

From First-Time Homebuyer Loans to Jumbo Mortgages, KeyPoint has a mortgage for you.

See Mortgage Options

KeyPoint Membership required to obtain credit. 

* All-In financing includes tax, license, documentation fees, warranties and other dealer add-ons.

** Best available APR available as of 02/01/2026. Rates offered to approved applicants s based on credit worthiness and other factors and may be higher than the rate shown. All loans subject to credit approval. Payment sample: Pay $44.98 per month per $1,000 borrowed at 5.24% APR for 24 months.

*** To be eligible, you must purchase your vehicle through Costco Auto Program, finance the vehicle through KeyPoint Credit Union and complete a Costco Auto Program member satisfaction survey.. Current eligible Costco members will receive a $65 Costco Shop Card. No substitutions. Cannot be combined with other offers and is not redeemable for cash. Offer not valid on the refinancing of an existing KeyPoint auto loan. Results from the Check My Rate service are not offers of credit. All loan applications are subject to review and credit approval. Terms offered to approved applicants may vary from those provided by the Check My Rate service depending on credit product selected and other factors.

Pages Within
Routing Number 321180515
Stay Informed with
How-to Videos
Check Application Status
See our
Holiday Schedule
Mortgage Hotline