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Keesler Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 04 October 2023
Fact checked

Keesler Federal Credit Union auto loans overview

Keesler Federal Credit Union logo

Keesler Federal Credit Union has been around for over 75 years and is the largest Mississippi-based credit union. Members can lock in fast, low-rate, and flexible used and new auto financing options. Plus, Keesler has tailored loans for a range of vehicles – classic autos, RVs, motorcycles, trailers, golf carts, and more.

Want to see what a Keesler auto loan will cost? Try the Keesler Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Keesler Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 100%.
  • Interest rates: From 4.99% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Active duty discount.

KEESLER FEDERAL AUTO LOAN OPTIONS

New and used auto loans

KFCU has pre-owned and new auto loans for buying and refinancing. Qualified members can get rates as low as 4.99% APR. And, Keesler offers a range of repayment periods stretching up to 84 months to make your loan manageable.

Recreational vehicle and watercraft loans

You can also go on a road trip or cruise the waves with ICCU’s RV and watercraft loans. You can pick from loans for motorhomes, fifth wheels, travel trailers, boats, and jet skis. From 9.340% APR, you can secure 2021 or newer models. Plus, your loan terms can go up to 180 months.

Classic auto loans

If you’re after classic models, you can secure a classic vehicle with KFCU, too. Starting at 5.99% APR, you can purchase a classic auto that is 25 years or older. Remember though that your rates may vary based on your credit history, loan, and collateral.

RV, camper, travel trailer, and watercraft loans

You can also finance motorhomes, campervans, coaches, fifth-wheel trailers, popup and truck campers, powerboats, sailboats, jet skis, and more. Rates can be as low as 5.74% APR, and you can make your loan payment for up to 180 months.

Motorcycle loans

If you want to fund a two-wheel ride, Keesler Federal offers motorcycle loans, too. You can pick from cruiser, sport, touring, off-road, motorized tricycle, and dual-purpose motorcycles. The starting rate for new motorcycle loans is 6.49% APR.

Outdoor vehicle, golf cart, and tractor loans

Keesler also provides financing options for ATVs, UTVs, gas, electric, and diesel golf carts, tractors, farm equipment, implements, and riding lawnmowers. Qualified borrowers can lock in rates as low as 7.49% APR.

Keesler Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$25,000

Term

60 months

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Keesler Federal Credit Union

Keesler Federal Credit Union auto loan

Keesler Federal Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Keesler Federal Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

HOW TO APPLY FOR A KFCU AUTO LOAN

Eligibility criteria

Keesler doesn’t list the exact standards for vehicle financing, but you should typically be:

  • A member of KFCU
  • 18 years old or older
  • Employed or have a dependable source of income

To qualify for Keesler’s best rates, it helps to build your credit profile, too. Besides getting an ideal loan offer, this can improve your chances of getting approved for credit.

How to join Keesler Credit Union

You can qualify for Keesler membership if you meet one of the following criteria:

  • Employee of one of the 300+ select employee groups
  • A family member of a Keesler Federal member
  • Live, work, worship, or study in Forrest, Pearl River, Harrison, Hancock, Copiah, Holmes, and Hinds counties or select census tracts in Mississippi counties
  • Live, work, worship, or study in select census tracts in Louisiana and Mobile County, Alabama
  • Business or any legal entity located in specific census tracts in Mobile County
  • Military who can use the services at Keesler Air Force Base or at Royal Air Force Bases in the U.K.

What you’ll need to have ready

Personal details

When you apply for auto financing with Keesler Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Keesler with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

An auto loan is a secured loan. That said, ask about the loan fees you may need to pay, too. Weighing the total cost of your loan can help you plan your finances and avoid skipping your monthly payments.

Ways to apply for a Keesler Federal auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-888-533-7537

Additional KFCU auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% APR discount for applicants on active duty.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-pay available. (Know more)
  • Ways to repay: Online, by phone, through mail, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: Older auto loans up to 24 years old.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Instant loan decisions.
  • Low interest rates.
  • Longer repayment periods.
  • Up to 100% financing, plus tax, title, and extended warranty.
  • Online application and pre-approval available.
  • 0.25% rate discount for members on active duty.
  • Stress-free auto-buying service.
  • Joint applications allowed.
  • Easy payment options – online, by phone, through mail, and in person.
  • A range of vehicles available – new and pre-owned cars, classic autos, motorcycles, RVs, outdoor vehicles, golf carts, tractors, watercraft, and more.

Cons

  • Membership required.
  • Undisclosed loan fees.
  • Members with low credit scores may receive higher interest rates.

FREQUENTLY ASKED QUESTIONS

Are there discounts available on Keesler car loans?

If you’re on active duty, you can qualify for a 0.25% APR discount when you apply for vehicle financing.

How to apply for an auto loan at Keesler Federal Credit Union?

You can conveniently apply online, contact 1-888-533-7537, or drop by a nearby branch.

How do I pay my KFCU auto loan?

There are multiple payment methods available – online, through phone, by mail, and in a branch.

How long does it take to apply for a Keesler Federal car loan?

Online application only takes less than 10 minutes or less to complete.

How long does KFCU take to approve vehicle finance?

You will get the loan decision instantly, so you immediately know if your application is approved, denied, or for additional review.

How long does it take for a Keesler auto loan to be paid into my account?

After submitting all the required documents, you may receive the funds within 24 business hours.

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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