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Kellogg Community Credit Union
Auto Loans
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auto loan

new & used vehicle loans

Now is the time to buy that vehicle you have been dreaming of! You can get better performance out of your budget and more miles out of your money when you finance a new or used vehicle at KCCU or refinance an existing vehicle loan from another financial institution


  • Same low rate whether you buy a new or used vehicle
  • No money down options
  • Extended terms up to 84 months on new autos and 72 months on used autos
  • 90 Day No Pay** option available
  • Quick and easy pre-approvals
  • Reduced GAP Insurance rates
  • Win up to $20,000* to pay off your auto loan with the OMG! Sweepstakes

$250 cash back offer*

For a limted time only, we will pay $250 for each vehicle loan financed with KCCU! Purchases and refinances on new/used cars, motorcycles, boats and RVs qualify! 

how to get an auto loan:

Apply Now

Or, simply stop in at any of our branches or call a Member Service Representative at 269.968.9251.  You can even apply for a KCCU vehicle loan at select area dealers through our Indirect Lending Program, see our partner dealers page.


*Cash back offer is available on new, used, and refinanced auto and recreational vehicle loans. Minimum loan amount to qualify is $7,500. Loans must be closed at KCCU; loans closed at dealerships do not qualify. Offer is available for a limited time only and does not apply to refinancing of existing KCCU loans. This offer cannot be used in conjunction with the 90 day no pay option or other promotional offers. Funds will be deposited once KCCU has been placed as lien holder on the collateral being financed. Restrictions apply.

**To qualify member must have a credit score of 640 or higher, be current on all loans, the minimum loan value must be $10,000 or greater, and the loan must be closed at KCCU. Offer does not apply to refinancing of existing KCCU loans. Other restrictions apply.