Vehicle Loans
“Our auto loan fit our family situation and was a painless process.“ - Shannon S.
Need more information about our loan options, or have questions? We’re here for you.
Kelly Community has been honored as a “Best in Town” lender for six consecutive years and continues to hold this distinction.
Looking to buy a new or used vehicle or refinance your current loan from another lender? No matter what type of vehicle you’re looking for, we are committed to offering you the best financing options available and will work hard to save you money. Plus, for extra peace of mind, you can add GAP, Mechanical Repair Coverage, Credit Life, and Credit Disability to your Kelly Community auto loan fee. We beat the dealership prices on these extras just about every time.
Auto Loans
Let us help make your dream car a reality. We provide auto loans with some of the most competitive rates around, offering easy and stress-free financing. Our fixed rates can help you save compared to dealership financing, and our warranty options are unmatched.
- Great Rates
- Terms up to 84 months for vehicles over $50,000
- No loan setup fees
- Members can save on rates through our Rewards Program
Motorcycle Loans
We know that for those who live to ride, it’s more than just a hobby. Whether you’re dreaming of a custom roadster or planning a cross-country journey, we can help make owning the motorcycle you want a reality.
- Great Rates
- Terms up to 84 months for vehicles over $50,000
- No loan setup fees
- Members can save on rates through our Rewards Program
Recreational Vehicle Loans
If you’re looking for a loan to fund your adventures, we’ve got you covered. We offer financing for RVs, boats, motorcycles, jet skis, off-road vehicles, farm equipment, and more — all at unbeatable rates.
- Great Rates
- Terms up to 72 months
- No loan setup fees
- Members can save on rates through our Rewards Program
**Terms may extend beyond 72 months for loans greater than $50,000
*APR is Annual Percentage Rate. Available to qualified members for new or used vehicle purchases or refinances from another financial institution. Term restrictions apply based on vehicle year. The Base Annual Percentage Rate is 4.49%, the advertised rate is for 72-month term and can vary based on creditworthiness, age of vehicle and terms of the loan. Your rate can be higher or lower depending on credit performance. Maximum rate is 17.90%. (Example: Assuming a loan amount of $45,000, a 72-month term, and an 4.89% APR, you would make 72 monthly payments of $718.50 without a down payment.) Rates are subject to change without notice. Will beat rate up to .50% if our rate is not better with documented proof of qualified rate from another financial institute (cannot be marketing or advertising of rate). Membership and account requirements apply. Contact Kelly Community Federal Credit Union for complete details.
New Vehicle Rates
| TERM | APR* |
| Up to 48 Months | 4.49% |
| Up to 60 Months | 4.64% |
| Up to 72 Months ** | 4.89% |
*As Low As. APR = Annual Percentage Rate | **Terms may extend beyond 72 months for loans greater than $50,000
Used Vehicle Rates
| TERM | APR* |
| Up to 48 Months | 4.49% |
| Up to 60 Months | 4.64% |
| Up to 72 Months ** | 4.89% |
*As Low As. APR = Annual Percentage Rate. | Rates for vehicles 2020 and newer only. Different rates for vehicles older than 2020. | **Terms may extend beyond 72 months for loans greater than $50,000
Recreational Vehicle Rates
| TERM | APR* |
| Up to 72 Months ** | 7.75% |
*As Low As. APR = Annual Percentage Rate. | **Terms may extend beyond 72 months for loans greater than $50,000
