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Family Buying a Car

Auto Loan Center

Looking for a new vehicle? We can help!

Current New Car and
Truck Rates

For Used Car and Truck rates add 0.75% to the rates below


APR* With Payroll
Deduction (1,2)

APR* Without Payroll
Deduction (1,2)

Up to 24 Months
25-36 Months
37-48 Months
49-60 Months
61-75 Months
76-84 Months
As low as 2.94%
As low as 3.19%
As low as 3.69%
As low as 3.94%
As low as 4.19%
As low as 4.69%
As low as 3.19%
As low as 3.44%
As low as 3.94%
As low as 4.19%
As low as 4.44%
As low as 4.94%

  • *APR is the annual percentage rate. Rates vary based on term of loan, age of vehicle, and your credit history. Rates and terms subject to change without notice. Terms are approximate. Rates as of July 01, 2018.
  • Rates quoted for terms 24-74 months are based on minimum loan amount of $15,000. For loan amounts $5,000-$14,999.99, add one percent. For loans up to $4,999.99, add two percent.
  • Minimum loan amount on terms 75 months and up is $25,000.
  • Auto loan rate example: $20,000 auto loan at 3.69% APR for 48 months will have monthly payments of approximately $448.81.
  • For an estimate of what your payment may be, click here to use our Loan Calculator. Please contact Kinetic Credit Union for full disclosures.
  • Must qualify for loan under Kinetic guidelines, including age (minimum 18 years of age) and value of auto.
  • These offers may be withdrawn.

Need a new ride?

We can get you a great rate!

As a member of Kinetic Credit Union, you have advantages over other car buyers with Kinetic's low-rate loans and convenient auto-financing guide. Auto Center helps you through the auto-financing or refinancing process by providing you the tools and resources to help you finance a new or used vehicle with the right loan and interest rate.

Applying for an auto loan is easy! Just call us at 706.320.8575 or apply now!
                                    Apply Now


Boat, Motorcycle, ATV, UTV and RV Loan Rates

Now is the time to purchase that new or used boat, motorcycle, ATV, UTV or RV. Kinetic is offering rates as low as 5.94% APR for 60 months!







Kinetic Car Buying Service, POwered by truecar

You could save thousands off MSRP with our Car Buying Service. It’s as Easy as 1-2-3!
A Guy With Car Keys
1.  Research your automobile

The Kinetic Member Showroom provides everything you need to get started.
  • Get a price & your guaranteed savings*
    (and see what others have paid for your vehicle) before going to a dealer
  • Average savings of $3,078 off MSRP**- for new vehicles
  • Free CARFAX reports - on select vehicles
    and more!
Visit our Member Showroom
2.  Get pre-approved – fast & easy!

Whether you're purchasing a vehicle or refinancing, Kinetic can help you save money with great rates, flexible products and exceptional service!
  • Get Pre-Approved Before You Shop
    Applying for an auto loan is easy. Just call (706) 320-8575. Or  Apply Now

3.  Take your certificate to the dealer

Once you identify your automobile and your dealer, just print and take your Guaranteed Savings certificate and enjoy a
hassle-free buying experience.

Ready to get started?  Visit our Member Showroom
** Between 7/1/16 and 9/30/16, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2016, was $3,106. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer's Suggested Retail Price ("MSRP") is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer's trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Your actual purchase price is negotiated between you and the dealer. TrueCar does not sell or lease motor vehicles.




Get Prepared

Do your research with these handy calculators & NADA guide
Auto Loan Calculator
Lease vs. Buy
Low APR vs. Rebate
New & Used Car Prices at

Auto Extended Warranty Services


InterContinental Warranty Services, Inc. (IWS) is committed to offering credit union members vehicle protection programs commonly known as Vehicle Service Agreements (VSA) and Mechanical Breakdown Insurance (MBI). This commitment has driven IWS to become the most innovative, progressive and respected company in the automotive insurance industry.

IWS's flexible protection program will safeguard you from the high costs of future mechanical repairs on your new or used car. Repairs on covered vehicles can be made at any licensed repair facility within the U.S. or Canada.

IWS Coverage for possible Mechanical Issues

Credit Union Members Can Save Up To 50%! The cost of these top of the line coverage’s may be included in your Kinetic auto loan for just pennies per day. Your car’s resale value immediately increases with transferable coverage. All with a 60 day money back guarantee.

For more information on all the coverage options through IWS click here.


Credit Life and Disability Insurance

In the event of your death, Credit Life insurance pays the insured balance of your auto loan, up to the policy maximum. Should you become disabled by a covered sickness or accident, your loan payments are protected. Applying for Credit Life and Credit Disability insurance is easy. The sooner you enroll, the sooner you'll have this important financial coverage working for you and your family. Call 706.320.8575 to ask about this protection plan.

Guaranteed Auto Protection

Auto Protection (GAP) is a loan/lease balance deficiency waiver designed to eliminate your unpaid net loan/lease balance in the event your vehicle is stolen or damaged beyond repair (totaled). The GAP waiver relieves you of the responsibility for the full loan/lease deficiency balance that the proceeds from your primary insurance policy or any applicable third party insurance policy does not cover.

Auto & Homeowners Insurance


You trust Kinetic Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you TruStage Auto & Homeowners Insurance. Auto and Homeowners Insurance is now available through our website to provide better convenience to our members:

  • Convenient e-service, pay your bill or make changes to your policy, even report a claim. All online.
  • Receive fast, easy access to claims service 24 hours a day.
  • Obtain a free no obligation quote to locate an agent at the local Liberty Mutual sales office.

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149.

Learn More

TruStage Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. MAH-1112-7C9E

Kinetic strives to be your premier financial institution and we want our members to feel confident they have the most secure policies available, while also getting the most for your money.