Enterprise Car Sales

Buy a well-maintained vehicle at a driver-friendly price
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Wide selection of newer vehicles to suit your needs
Affordable interest rates to fit your budget
Easy online shopping to save you time
No-haggle buying experience means less stress and hassle

Shop for used vehicles with confidence from the comfort of your home

KeyPoint Credit Union partners with Enterprise Car Sales to offer members the opportunity to buy high-quality, affordable used vehicles. Browse an online inventory, view no-haggle prices and rest assured you're buying a car that has received careful maintenance to keep it in the best possible condition.

  • Receive a 1% discount on your KeyPoint auto loan rate1 
  • Choose from over 250 makes and models, most priced below Kelley Blue Book retail value2 
  • Trade-ins welcome – get great value for your vehicle 
  • If you're unhappy with your Enterprise vehicle, you have seven days to return it for a full refund3 

Drive with confidence using competitive auto loan financing from KeyPoint Credit Union for new or used vehicles. Serving drivers throughout the San Francisco Bay Area, Santa Barbara County and beyond.

Buy your next car, truck, SUV or van through KeyPoint and Enterprise
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Warranties and Protection

  • All vehicles are Enterprise Certified™ 
  • Free 12-month/12,000-mile powertrain warranty4
  • Free 12-month roadside assistance5 
  • Free CARFAX® vehicle history report™

Frequently Asked Questions

Credit card and other loan payments can be made through Online or Mobile Banking, over the phone, or sent by mail to KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Don’t have Online Banking? Sign up today! 

Access your account online from your laptop, tablet or personal computer. Online Banking is secure, free, and available 24/7. You can also use our mobile app. After you enroll, you can take care of your banking tasks at your convenience: 

  • View current account balances and transaction details
  • View and export transaction history 
  • Pay bills
  • View check images
  • Transfer money between your own accounts, and accounts of other KeyPoint Members 
  • Send money to anyone via an email address or cell phone
  • Transfer funds between your KeyPoint accounts and your accounts at other financial institutions
  • View eStatements, eTaxes and other electronic documents 

You can also download KeyPoint's mobile app from the App Store or Google Play, and Register directly on the app.

Most loan applications are approved within the same business day that you apply.

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer! 

Loan qualifications vary depending on the type of loan you need. The best way to find out if you qualify for a loan is to apply. There is no cost to do so, and our staff will work with you to look for ways to get your loan request approved.

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer!

One of the key advantages of a Member-owned financial institution is that our loan staff will work with you to look for ways to get your loan request approved. 

If you had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan—there is no cost to apply, and you don’t need to be a Member to apply! 

KeyPoint also has Starting Point, a unique program designed for recent college graduates and individuals new to the country. Starting Point can help you get your first auto loan and begin building credit for a successful financial future.

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer!

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer! 

We make it easy to stay on top of your loan — and even easier when you choose recurring electronic payments.

Preferred Payment Options:

KeyPoint Credit Union Mobile Banking is a secure, convenient way to access your accounts and pay bills anytime, anywhere, using your mobile device. 

Other Ways to Pay:

Pay from an Outside Account.  Set up electronic transfers by providing:

  • KeyPoint’s Routing Number: 321180515
  • Your KeyPoint Loan Number
  • By Mail: KeyPoint Credit Union, ATTN:  Loan Payments, 2150 Trade Zone Blvd, Suite 200, San Jose, CA 95131.  Include your loan number or payment coupon. Checks or money orders only.
  • In Person: Visit a branch near you.  Find a Location

 For principal-only payments, loan payoffs, or payments to special or restricted accounts, please contact us at [email protected] or (888) 255-3637 x4252.

If you lost your credit or debit card, please contact us immediately so we can block the card and prevent fraud on your account. You can receive a new card instantly at any KeyPoint branch! If you would like us to mail a new card, it will take three to five business days. 

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back. A Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

If you applied online, you can log back into our online application system to see if there is an updated status (although we will call or email you as soon as we have a decision). 

You can also contact us for an update!

  • Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back. A Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 
  • Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.
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Enterprise Sales 

1 1% loan interest rate discount available on qualifying KeyPoint loans to finance purchase of a vehicle from Enterprise by 5/30/2026. Rate discount availability for approved loan applicants depends on loan term. This rate discount offer cannot be combined with any other KeyPoint offer. Minimum loan APR 1.49%. All loans subject to credit approval. KeyPoint membership required to obtain credit.

2 Kelley Blue Book Trade-In Values used by Enterprise are obtained from Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for customer’s vehicle, Enterprise will provide a fair and competitive value for customer’s vehicle. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA and Washington, D.C. 

3 For a period of seven days after the date of purchase or 1,000 miles beyond the odometer reading at purchase, whichever comes first, the vehicle may be returned for the exact price originally paid minus a $200 restocking fee (as allowed by law). Restrictions apply. For details, see an Enterprise Sales Consultant.

4 Limited Warranty begins on the vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Coverage runs concurrently with manufacturer warranty. Restrictions apply. For details, see an Enterprise Car Sales Manager.

5 Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. Some limitations and restrictions apply. 

Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions or customer trade-ins, with previous use possibly short-term rental, lease or other. Photo for illustration purposes only. The “e” logo, Enterprise, “Enterprise Certified®”, “Enterprise Car Sales” & “Buy. Sell. Trade. Enterprise makes it easy.®” are all trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2025 Enterprise Holdings, Inc., 600 Corporate Park Dr., St. Louis, MO 63105, USA. 

KeyPoint Credit Union makes no expressed or implied endorsement of any vendor or service. Your participation is strictly on a voluntary basis. 

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