NOTICE: Kinetic full-service branches are currently open with limited lobby traffic. Appointments are available. Visit our COVID-19 response page for the latest information.
Low rates on new, used and recreational
| Vehicle | Style | Terms | APR* |
|---|---|---|---|
| New | Cars, trucks and vans | varies | as low as 2.64% |
| Used | Used cars, trucks and vans | varies | as low as 3.39% |
| Boat, Motorcycle, ATV, UTV, RV | New and used | varies | as low as 4.64% |
Fixed Rates
Ready to Apply?
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.
1. Research
The Kinetic Member Showroom provides everything you need to get started.
- Get a price & your guaranteed savings*. See what others 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
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.
Applying for an auto loan is easy. Just call (706) 320-8575 or apply online.
3. Take your certificate to the dealer
Once you identify your vehicle and your dealer, just print ad take your Guaranteed Savings certificate and enjoy a hassle-free buying experience.
Get Prepared
Do your research with these handy calculators and NADA guide.
Auto Extended Warranty Services
Intercontinental Warranty Services, INC (IWS)
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% on mechanical repairs. The cost of these top-of-the-line coverages may be included in your Kinetic auto loan for just pennies per day. Your car’s resale value immediately increases with transferable coverage. And all repairs come 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 simple. The sooner you enroll, the sooner you’ll have this important financial coverage working to protect you and your family.
Call (706) 320-8575 and get protected.
Guaranteed Auto Protection
Guaranteed Auto Protection (GAP) is a loan/lease balance deficiency waiver designed to eliminate your unpaid net 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. GAP coverage purchase is only available at auto loan origination.
Auto & Homeowners Insurance with TruStage™
You trust Kinetic Credit Union to provide you with quality products and services to meet your financial needs. Well, we trust TruStage™ and you should, too. We’ve joined with this dedicated team of insurance professionals to bring you TruStage™ Auto & Homeowners Insurance. Auto and Homeowners Insurance is now available through our website to provide even more convenience to our members. With TruStage™, you have:
- Pay your bill, make changes to your policy and report a claim, all online
- Receive fast, easy access to claims service 24 hours a day
- Get a free, no obligations quote to locate an agent at the local TruStage 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.
*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 Effective Date: [effective-date]. 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 3.64% APR for 60 months will have monthly payments of approximately $365.07.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.
** 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.
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