limited-time auto loan rates as low at 3.99%^APR*

enjoy auto loan rates that move you

KCCU is offering amazing auto loan rates, for a limited-time as low at 3.99%APR*, that can put you on the road to big savings! Whether you are buying a new or used car now is the time to make the move on that vehicle you've been dreaming about. Or if you have been waiting for rates to drop so you can refinance, wait no longer, start saving today when you move your existing loan from another lender to KCCU. Take advantage of our great rates and get more miles out of your money! 

apply now	view rates	search for a vehicle

KCCU benefits:

• Competitive rates and flexible terms
• Open your loan online from start to finish with eSign
• 90 Day No Pay** option available
• Quick and easy pre-approvals
• No Pre-payment penalties

AutoSMART - for stress-free auto shopping

Discover our online car buying destination designed with the reliability and security to research, shop, and finance your next vehicle. Access local dealers committed to providing a shopping experience that is simple and easy.

Shop. Finance. Drive. 

• Search from over 2 million new and used vehicles to best fit your needs
• Access real-time dealer inventory
• Build your car and compare prices
• Get pre-approved with KCCU while you shop
• Direct connection to our partner dealers
• Schedule a test drive

Shop Now

how to get pre-approved for an auto loan:

Apply Online

Or, simply stop in at any of our branches or call a Member Service Representative at 269.968.9251. 

_{*APR = Annual Percentage Rate. Rate effective as of 12/8/2025. Limited time offer applies to new loans to KCCU, purchases, or refinancing of existing loans from another lender or financial institution. Rate shown is lowest rate available. Rate may be higher based on your credit history, collateral, and other factors. Minimum credit score 730. Other terms and rates available. Programs, rates, and terms are subject to change without notice. Cannot be combined with VIP Lifetime Reward Points. Membership required. Ask an associate for details.} 

_{**Limited time offer available for loans greater than $10,000 closed at KCCU. To qualify, member must be current on all loans and have a minimum credit score of 640. Finance charges accrue during the skipped period. Offer does not apply to refinancing of existing KCCU loans. Other restrictions apply.}