NOTICE: Kinetic full-service branches are currently available by appointment. All drive-thrus, South Lumpkin Service Center, and Express Service Center are available for teller transactions. Visit our COVID-19 response page for the latest information.
Low rates on new, used and recreational
|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%|
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.
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.
*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 These offers may be withdrawn.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