Low rates on new, used and recreational
| Vehicle | Style | Terms | APR* |
| New | Cars, trucks and vans | varies | as low as 3.99% |
| Used | cars, trucks and vans | varies | as low as 4.49% |
| Used and New | Boat, Motorcycle, ATV, UTV, RV | varies | as low as 5.99% |
Ready to Apply?
All rates effective as {effective-date}
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
- View our Membership 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.
- Applying for an auto loan is easy. Just call (706) 320-8575 or apply online.
- Apply Online
3. Take your certificate to the dealer
Once you identify your vehicle and your dealer, just print an ad take your Guaranteed Savings certificate, and enjoy a hassle-free buying experience.
Get started today!
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 do not cover. GAP coverage purchase is only available at auto loan origination.
Auto & Homeowners Insurance with TruStage™
You could be paying too much for auto insurance.
You work hard for your money and even harder to keep your budget on track. So why spend too much on auto insurance—maybe hundreds of dollars too much?
How much could I save?
Credit union members could save hundreds of dollars on auto insurance through the TruStage™ Auto Insurance and Home Program. And it could be simple to switch carriers—without losing any money.
What are the advantages?
- The TruStage™ Auto Insurance Program offers a powerful mix of savings & popular, member-friendly benefits:
- Credit union members could save
- Nationally recognized companies
- Friendly service with extended hours
- Get a free quote today. Don’t wait to see how much you could save.
Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. © TruStage
AUT-2948367.4-0924-1026
Learn More about TruStage™
*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. All rates effective as {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 4.99% APR for 60 months will have monthly payments of approximately $377.39. 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 1/1/24 and 3/31/24, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $2,385. 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 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 many vehicles are sold below MSRP. Each dealer sets its own pricing.
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
You are leaving the Kinetic Credit Union website
You are being directed to a third-party website:
[Link]
This link is provided for your convenience. Please note that this third-party website is not controlled by Kinetic Credit Union or subject to our privacy policy.
Thank you for visiting our site. We hope your visit was informative and enjoyable.