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Kelly Community FCU Mobile

Finance

Free - On the App Store

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Kelly Community FCU Mobile

Finance

Free - On the App Store

Save yourself from the dealership hassle

We offer financing for new and used cars, trucks, or vans, including the tax, title, and license fees. Financing up to 110% is available for those who qualify.

  • Best Rate: 2.99%
  • Max Term: 84 months
  • No loan setup fees

Auto loans for new and used vehicles

We offer financing for new and used cars, trucks, or vans, including the tax, title, and license fees. Financing up to 110% is available for those who qualify.

More Information

For an extra helping of peace of mind, you can add GAP, Mechanical Repair Coverage, Credit Life, & Credit Disability when you purchase a loan through KCFCU. Plus, we’ll beat the dealership prices just about every time.

I have been a member here for over 15 years and I've always had exceptional customer service from everyone I have had the pleasure of encountering.
Andrea B.

A better way to get a loan

We're different from other financial institutions: Our members are family. We review each application on its own merit, and we'll even sit down with you to discuss how you can...

A better way to get a loan

We're different from other financial institutions:

Our members are family.


We review each application on its own merit, and we'll even sit down with you to discuss how you can qualify.

We're voted top five.


We've been voted one of the top five financial institutions for auto loans in Tyler, Texas, five years running.

We go above & beyond.


Our loan officers don't stop at reviewing your loan application. When they pull your credit report, they'll see if we can save you even more money on rates and monthly payments by beating any other loan rates you currently have.

We're local East Texans.


We're East Texas through and through. You're always welcome to come right into one of our branches and chat with us face-to-face.

We're popular.


We manage a large number of the auto loans in the area. Customers love us, and that’s why they keep coming back.

New Car

% APR

View Rates & Fees

Competitive Rates for New and Used Vehicles.

Competitive Rates

New Vehicle

Term APR*
New Vehicle Up to 60 Months 2.99%
Up to 72 Months ** 3.49%

*As Low As
**Terms may extend beyond 72 months for loans greater than $50,000

Used Vehicle

Term APR*
Used Vehicle Up to 60 Months 3.99%
Up to 72 Months ** 4.49%

*As Low As
**Terms may extend beyond 72 months for loans greater than $50,000

Have Questions?

Have Questions? Check out our answers to frequently asked questions. Then, if you still have questions, let’s connect you with one of our loan officers.

Frequently Asked Questions

  • What will my monthly payment be?

    Refer to the payment calculator at the top of this page to get an estimate. Your actual monthly payment will be determined by your credit score and loan amount. Feel free to apply to get a better idea of how much you’ll pay each month.

  • What is the cutoff age for vehicles?

    There isn’t a cutoff. However, once a vehicle is over 10 years old, we use an unsecured rate.

  • What are the requirements when buying from a dealership or individual?

    Dealership:

    • Buyer’s order showing sales price, vehicle information, and trade-in adjustments
    • If one or two years old, it’s best to provide a MSRP page as well

     

    Individual:

    • Sales price—we need this to figure sales tax
    • VIN
    • Current vehicle mileage
    • Exact value including options and condition of the vehicle
    • Seller must sign (power of attorney) to remove their name(s) from the title (each person listed on the title must sign)
    • A copy of the seller’s driver’s license, or anyone else who is listed on the title
  • What are your rates?

    Check out our Rates page to see a list of all current rates.

  • What documentation do you need from me when closing a loan?
    • Pay stubs (the last two is a good rule of thumb)
    • Proof of full coverage insurance
    • Full references, including the name, address, phone, and relation (we’ll need 2-6, depending on your credit score)
  • What is considered a new vehicle at Kelly Community?

    A vehicle is considered new if it was manufactured in the current calendar year, the previous calendar year, or the next calendar year. For example, if it is 2017, new vehicles would be manufactured in 2016, 2017, or 2018.

  • How much do you typically want as a down payment?

    Using our Loan-to-Value Guidelines, your down payment is determined based upon your credit score, how long you’ve been working at your current job, the age of the vehicle you plan to purchase, and your debt-to-income ratio.

Need help? Contact us

Can't find the answer you were looking for? Sorry about that! Get in touch with us by completing the form below, we will gladly answer your questions.

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Apply Now

Apply for a low-rate auto loan right here, right now, without leaving your chair.

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Disclosures

MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 800.752.6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In CA, where Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc.


CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms.


CDCL-1010962.1-0914-1016