Auto Loans

Summary

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.


Spring Car Sale


It's back! Buy. Save. Drive with Kern Federal Credit Union. Enjoy rates as low as 1.74%* and make no payments for 90 days** on purchases or refinances from April 14th through June 15th.


La Venta de Autos de la Primavera 2017


Tasas tan bajas como 1.74%* por 60 meses en vehículos del 2009 o más nuevos con menos de 100,000 millas

Sirve para Compra o Refinanciamiento

La oferta está disponible hasta el 15 de junio de 2017

No pagos por 90 dias**




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 Mastercard 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
  • * Annual Percentage Rate for 2009 or newer vehicles with less than 100,000 miles. 100% 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. This rate includes a .25% discount for automatic payments from a Kern Federal Credit Union checking account. If automatic payments are cancelled, the interest rate will increase by .25% with a corresponding increase in the payment. Without the automatic payment discount the interest rate is 1.99% APR, and the monthly payment will be $175.24. The offer applies to purchases and refinances from other institutions approved from April 14, 2017 – June 15, 2017. Loan must fund by June 23, 2017. Rates and terms based on evaluation of applicant's credit. This offer does not apply to refinancing of existing Kern Federal Credit Union loans.
  • ** 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 and will result in a higher monthly payment. Credit restrictions apply including but not limited to a minimum of 12 months on-time auto payments to be eligible for deferred payment.
  • Kern Federal Credit Union membership and a share savings account with a minimum deposit of $25 is required. Federally insured by NCUA.

*Tasa Anual Porcentual (APR) para vehículos del 2009 o más nuevos con menos de 100,000 millas. 100% de financiamiento con crédito aprobado de hasta 60 meses (hay plazos más extensos disponibles – pida más detalles). Para un préstamo de auto de $10,000 por un plazo de 60 meses con una tasa (APR) de 1.74%, el pago mensual será de $174.15. Esta tasa incluye un descuento de .25% para pagos automáticos efectuados desde una cuenta de cheques de Kern Federal Credit Union. Si se cancelan los pagos automáticos, la tasa de interés aumentará en un .25% con el aumento correspondiente en el pago. Sin el descuento por pago automático, la tasa de interés es de 1.99% (APR) y el pago mensual será de $175.24. Esta oferta es aplicable a las compras o refinanciamientos de otras instituciones que hayan sido aprobados entre el 14 de abril de 2017 y el 15 de junio de 2017. Los fondos del préstamo deberán ser recibidos antes del 23 de junio de 2017. La tasa y los términos están basados en una evaluación del crédito del solicitante. Esta oferta no es aplicable para refinanciar préstamos existentes con Kern Federal Credit Union.


** El tiempo máximo para aplazamiento del primer pago es 90 días. El interés se empezará a acumular a partir del día en que reciba los fondos del préstamo. El primer pago se debe hacer a no más de 90 días de recibir los fondos y resultará en un pago mensual mayor. Se aplican restricciones de crédito que incluyen, pero no están limitadas a, un mínimo de 12 meses de pagos automáticos a tiempo para ser elegible para pago aplazado.

Se requiere una membresía en Kern Federal Credit Union y una cuenta de ahorros (share savings) con un depósito mínimo de $25. Asegurada Federalmente por NCUA.



*Based on credit approval different terms may apply

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