Low rates on new, used and recreational

Vehicle Style Terms APR*
New Cars, trucks and vans varies as low as 3.14%
Used Used cars, trucks and vans varies as low as 3.89%
Boat, Motorcycle, ATV, UTV, RV New and used varies as low as 5.14%

Fixed Rates

Applying for an auto loan is easy!

Just call us at 706.320.8575 or apply now!

Apply Now

Auto Refinance Program

Refinance your current auto loan from another lender and we will pay you $100.  Members may opt to delay the first payment of their new Kinetic loan up to 60 days. All loans must be approved through normal underwriting procedures. Minimum loan amount is $10,000. Normal rate matching procedures will apply. 

Just give us a call at 706.320.8575 and we will help you get started!

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 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 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.

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. Rates as of November 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 4.14% APR for 60 months will have monthly payments of approximately $369.58. 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