Vehicle Loans

No matter what winding roads await, we're here to help make the vehicle loan process a smooth ride. Whether you're refinancing your current vehicle, or purchasing a new or new-to-you vehicle, we have a variety of loan options to ensure you enjoy the drive. Explore our loans for cars, motorcycles, boats, and recreational vehicles.

All of our vehicle loans come with:

  • Fast preapprovals
  • Low rates
  • Flexible terms
  • In-house lending decisions
  • Industry experts to guide you

Buying a Car

Taking test drives and perusing car lots can seem like the fun part of car buying, while the financial part can seem like a real drag. But when you take it step-by-step, the finances of buying a car are simpler than they seem:

  1. Before shopping for a car, get preapproved for a loan. This will help you know how much you can borrow and give you an idea of what kind of monthly payment you can expect. It also gives you more negotiating power at the dealership.

  2. Plan any potential trade-ins by researching your old car's value. This will give you a baseline for negotiations and help you decide if trading in is even your best option.

  3. Do your homework to learn what you can expect to pay for your new car. Most car dealers expect that you'll negotiate the price down somewhat, but you can get more leeway with certain techniques. For example, try visiting at the end of the month to get the best deals. You should always be prepared to leave if you feel the dealer is not giving you a fair price.

  4. Once you score the price you want, follow the instructions you received when your loan was preapproved.

  5. Buy insurance once you've almost finished the car buying process. Shop around for a quote, even if you currently have insurance, for the best deal possible. You can take advantage of a KCU member discount through our partnership with Travelers. Call 800-842-5936 or get a quote online.1


1 Coverage on vehicle with deductibles not to exceed $1,000. Collateral must match collateral on loan document.

* APR is Annual Percentage Rate.