Auto Loans


The Fall Car Sale is Back!

The Fall Car Sale has arrived at Kern Federal Credit Union. Enjoy great low rates and no payments for 90 days**.

  • Rates as low as 1.74%*
  • No payments for 90 days **
  • Good for purchase or refinance
  • New or used cars, 2008 or newer with less than 100,000 miles
  • Now through November 30th

Head out on the highway in the car, truck, or SUV of your dreams. Applying for a loan from Kern FCU means you'll get a great rate for new or used autos.

Contact us to finance, refinance, or get pre-approved. We also offer direct financing at local auto dealerships and financing for private party purchases.

  • Get up to 120% financing for used cars, trucks, or SUVs*
  • Off-road vehicles may be financed using our Visa Credit Card, Line of Credit or Signature Loan
  • Financing available for private party purchases
  • Refinance an existing loan from another lender for a great low rate!
  • Get pre-approved for better bargaining power at the car lot
  • Repayment terms up to 7 years for affordable payments*
  • Upon credit approval
  • Direct financing at local auto dealerships
  • Ask for Kern FCU financing or present your pre-approval certificate
  • Financing also available for motorhomes, travel trailers, boats, personal watercraft, and motorcycles**
  • In-house processing for quick decision
  • Personalized, friendly service
  • Resources:
  • Vehicle Research Tool — The perfect tool to start your research on the car or truck of your dreams!
  • Autoland — Autoland works for you and is designed to make your car buying experience easy by saving you both time and hassle.
  • NADA — Find the value of your auto, RV, or motorcycle

    1. *Annual Percentage Rate for 2008 or newer vehicles with less than 100,000 miles. 1200% financing on approved credit up to 60 months (extended terms available – inquire for details). For a $10,000 auto loan for a term of 60 months with a 1.74% APR, the monthly payment will be $174.15. The offer applies to purchases and refinances from other institutions from October 167, 2015 to November 30, 2015. Purchases must be funded by December 11, 2015. Rates and terms based on evaluation of applicant's credit. This offer does not apply to refinancing of existing Kern Federal Credit Union loans.

    2. **Maximum First Payment Deferral is 90 days. Interest will begin to accrue the date the loan is funded. First payment due no later than 90 days after loan funding. Credit restrictions apply: must have a minimum of 12 months on-time auto payments to be eligible for deferred payment.

    *Based on credit approval different terms may apply

    **Different APR, loan to value requirements, and terms apply