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Auto Loans


Returning Applicant?

Great road trips start with KeyPoint Credit Union. We offer auto loans for purchases and refinances with discounts like .25% for auto payment from a KeyPoint checking or savings account. 

    • Auto Loan Types
    • Find Your Car
    • Auto Loan Rates
    • Payment Options
    • Payment Protection

Auto Loan Types

  • New Auto: 2013 and newer model years; terms from 36-84 months
  • Used Auto: Up to 8 years old; terms from 36-84 months 
  • Recreational Vehicle Loans: New and used boats, motorcycles and RVs. For new recreational vehicles, you can finance up to 80% of the purchase price plus tax, license and documentation fees. For used autos, finance up to 80% of the Wholesale Book Value plus tax, license and documentation/recording fees. 
  • Green Vehicle Program: Receive a .25% auto loan rate discount when you finance an eligible Green Vehicle based on standards established by the U.S. Environmental Protection Agency (EPA) and the U.S. Department of Energy. 
  • Starting Point: This program can help you get your first auto loan and begin building credit for a successful financial future.

In the event there is a lapse in proper insurance coverage or you should fail to maintain proper insurance collateral protection insurance upon your loan, KeyPoint Credit Union may, at its discretion and at your cost, force place a policy upon your loan in order to protect both yourself and KeyPoint Credit Union as per the agreements set forth in your original loan documentation.

Find Your Car

Our car-buying partner, Autoland, can provide a no haggle, no hassle experience for your next new or used car purchase. Autoland will locate your dream car, provide a very competitive price quote (no obligation), and even deliver the car to your home, office or any KeyPoint branch. Click here for more information or call (800) 234-6999 today!

Preferred Dealer Partners
KeyPoint Credit Union partners with several friendly and upstanding Bay Area car dealerships so you can find the vehicle you deserve. Visit or call one of our preferred auto dealer partners for your no-hassle car-buying experience.

AutoNation Honda Fremont Fremont Toyota Smythe European

5780 Cushing Parkway 
Fremont, CA 94538 
(510) 445-5300 

5851 Cushing Parkway 
Fremont, CA 94538 
(510) 252-5100

4500 Stevens Creek Blvd. 
San Jose, CA 95129 
(408) 641-4610

BMW of Fremont Sunnyvale Ford Courtesy Chevrolet

5720 Cushing Parkway
Fremont, CA 94538
(510) 224-4820

650 E. El Camino Real
Sunnyvale, CA 94087
(408) 522-0200

3640 Stevens Creek Blvd.
San Jose, CA 95117
(408) 490-0007

Stevens Creek Nissan AutoNation Acura Stevens Creek Frontier Infiniti

4855 Stevens Creek Blvd.
Santa Clara, CA 95051
(408) 983-5900

4747 Stevens Creek Blvd.
Santa Clara, CA 95051
(877) 259-8058

4355 Stevens Creek Blvd.
Santa Clara, CA 95051
(408) 243-4355

If you don't see a dealer that interests you, call us at (408) 731-4160 and we will help you locate one.

ALL LOANS SUBJECT TO CREDIT APPROVAL. RATE IS BASED ON CREDITWORTHINESS AND OTHER FACTORS, AND MAY BE HIGHER THAN THE RATE SHOWN. RATES AND TERMS SUBJECT TO CHANGE WITHOUT NOTICE.



Auto Loans – New and Used
Rates Effective: 4/18/14
New and Used36 - 48 months60 months66 months72 months84 months
New (2013 and newer)1.74%* to 19.00%*1.99%* to 19.00%*2.24%* to 19.00%*2.74%* to 19.00%*2.99%* to 19.00%*
Used (2006-2012)2.24%* to 19.00%*2.49%* to 19.00%*3.24%* to 19.00%*3.49%* to 19.00%*3.99%* to 19.00%*

Maximum NEW auto loan amount is MSRP plus tax, license, documentation and recording fees, GAP and MBI. Maximum USED auto loan amount is Retail Kelley Blue Book plus tax, license, documentation and recording fees, GAP and MBI.

Loan rates on 2005 model years are 1.5% higher than the rate for which the applicant otherwise qualifies. 

Discounts: .25% Green Vehicle Rate Discount (must be on KeyPoint Credit Union's Green Vehicle list); .25% for automatic payment from a KeyPoint checking or savings account. The final loan rate cannot be less than the FLOOR RATE of 1.74%.

Minimum loan amount is $5,000 (exceptions are possible for < $5,000).

*90-day Deferral of First Payment is available to qualified applicants on all programs. 

Payment Examples:
- Pay $28.53 per month per $1,000 borrowed at 1.74% APR for 36-months
- Pay $23.38 per month per $1,000 borrowed at 19.00% APR for 72-months

Motorcycles - New (Max. Age of 3 Model Years)
Rates Effective: 4/18/14
Loan to ValueAPRCredit LimitTerm (Months)
61% - 80%**14.35*$2,500 to $15,000NEW - 48
less than 60%13.55*$2,500 to $15,000NEW - 48
Motorcycles - Used (Max. Age of 3 Model Years)
Rates Effective: 4/18/14
Loan to ValueAPRCredit LimitTerm (Months)
61% - 80%**15.35*$2,500 to $15,000USED - 24
less than 60%14.55*$2,500 to $15,000USED - 24

Maximum LTV is 80% plus tax, license, and all documentation/recording fees.

Discount: .25% for automatic payment from a KeyPoint checking or savings account.

Minimum loan amount is $2,500.

Payment Examples:
- Pay $27.50 per month per $1,000 borrowed at 14.35% APR for 48-months
- Pay $48.65 per month per $1,000 borrowed at 15.35% APR for 24-months

Recreational Vehicles and Boats under 28ft
Rates Effective: 4/18/14
Loan to ValueAPRCredit LimitTerm (Months)
61% - 80% (new)**10.95%*$2,500 or more24 - 120
less than 60% (new)10.75%*$2,500 or more24 - 120
61% - 80% (used)**11.95%*$2,500 or more24 - 120
less than 60% (used)11.75%*$2,500 or more24 - 120

Maximum LTV is 80% plus tax, license, and all documentation/recording fees.

Discount: .25% for automatic payment from a KeyPoint checking or savings account.

Minimum loan amount is $2,500.

PAYMENT EXAMPLES:
- Pay $13.75 per month per $1000 borrowed at 10.95% APR for 120 months
- Pay $14.32 per month per $1000 borrowed at 11.95% APR for 120 months

  • Direct Pay: Automate your loan payments and receive an additional .25% discount off your rate when you sign up
  • Skip a Pay*: Take a holiday from your qualifying auto loan payment for one month and redirect that money elsewhere
  • Quick Pay: Avoid late charges by making a payment over the phone by calling our telephone center at (888) 255-3637 when you’re pressed up against the monthly due date for your loan

*Your loan must be one year old and all of your payments must be up to date to participate in the Skip a Pay Program. All skipped payments must be made up. You may only participate in the Payment Holiday Program once every 12 months. Assuming you make only minimum payment(s), skipping payments will delay the payoff of the loan(s) and result in additional finance charges. Payments may not be skipped on any new loan. Loan must be contractually up to date as of the date of this agreement. Except for payment schedule, all terms of your loan agreement(s) remain the same. Having any accounts with a negative balance makes you ineligible for the Skip a Pay Program. Offer subject to change without notice. Certain restrictions apply.

KeyPoint Credit Union offers several payment protection options:

Debt Cancellation: Peace of mind comes at a very reasonable cost. Consider the consequences of an unexpected disability, unemployment or death. Could you or your family meet your financial obligations, including your loan payments, on a reduced income? We offer various plans that will help make your loan payments should these unfortunate events occur.  Learn more about Debt Cancellation by calling us at (408) 731-4160.

Major Protection Insurance: Get protected against the costs associated with vehicle maintenance repair beyond the normal terms and conditions provided by the manufacturer's standard warranty.

Guaranteed Auto Protection (GAP) Insurance: GAP fills the void between what you owe on your car loan and what your insurance covers if your car is wrecked beyond repair.