Auto Loans


Fall Car Sale Is Back!

Kern Federal Credit Union presents the Fall Car Sale! Drive off in the car, truck, or SUV of your dreams and take advantage of rates as low as 1.99% APR and no payments for 90 days.** Apply today!!

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 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 1.99% APR, the monthly payment will be $175.24. 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 2.24% APR, and the monthly payment will be $176.33. The offer applies to purchases and refinances from other institutions approved from October 12, 2017 – November 20, 2017. Loan must fund by November 30, 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.

*Based on credit approval different terms may apply

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