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KeyPoint Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 05 October 2023
Fact checked

KeyPoint Credit Union auto loans overview

KeyPoint Credit Union logo

KeyPoint Credit Union (KPCU) offers quick and affordable auto loans in all states. You can pick from pre-owned and new vehicle loans for cars, motorcycles, RVs, and boats. KeyPoint provides special loan programs for new graduates, newcomers, and borrowers with credit issues, too.

Want to see what a KPCU auto loan will cost? Try the KeyPoint 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 KeyPoint Credit Union auto loan features

  • Minimum loan amount: $5,000 (exceptions possible).
  • Maximum loan amount: Up to 100%.
  • Interest rates: As low as 5.49% APR.
  • Loan terms: 24 to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Member discounts for Enterprise Car Sales.

KEYPOINT CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

KPCU offers low-cost vehicle financing choices whether you’re looking to buy a pre-owned or new vehicle or refinance your loan. Ranging from 5.49% to 19% APR, you can finance 2022 to 2023 new autos with under 5K miles. But if you’re looking for used vehicle loans, rates start at 5.74% APR.

Fresh Start program

KeyPoint’s Fresh Start program allows you to start over in case you’ve had credit issues in the past. You can borrow from $5,000 to $40,000 and stretch your term for up to 66 months. Note though that you need a minimum down payment of 10% for FICO scores of 550-639 and 15% for FICO scores of 475-549.

Starting Point program

If you’re a new college graduate or a newcomer to the U.S., KPCU’s Starting Point program can help you, too. Through this program, you can finance your first vehicle at a low cost and start building your credit.

Recreational vehicle and boat loans

You can also go on an adventure with KeyPoint’s RV and boat loans. You can pick from new and used recreational vehicles and boats under 28ft. Rates start as low as 11.99% APR, and repayment periods can be up to 120 months.

Motorcycle loans

Used and new motorcycle loans are also available at KeyPoint Credit Union. You may qualify for up to 110% LTV and choose terms from 36 to 72 months.

KeyPoint 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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KeyPoint Federal Credit Union

KeyPoint Federal Credit Union auto loan

KeyPoint 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 KeyPoint 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 KPCU auto loan

Eligibility criteria

Though KeyPoint doesn’t indicate the exact criteria for vehicle financing, you should commonly be:

  • A member of KPCU
  • At least 18 years old e
  • Employed or show proof of source of income

Other than these, consider your debt-to-income (DTI) ratio, too. Lenders look at this number to gauge your debt management ability before offering you credit. Keeping a low DTI ratio may help increase your chances of loan approval.

How to join KeyPoint Credit Union

KPCU membership is open to anyone who:

  • Lives, works, worships, or studies in select California counties (Alameda, Contra Costa, El Dorado, Placer, Sacramento, San Mateo, Santa Barbara, Santa Clara, and Ventura)
  • Is an employee of and residing in specific states: Apple, Intel Corporation, Cisco Systems, Adobe, Synopsys, eBay, Juniper Networks, or Samsung Research America
  • Is an employee of a company that is a member of the Greater Irvine Chamber of Commerce
  • Is an immediate family or household member of a current member

What you’ll need to have ready:

When you apply for auto financing with Chase, 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 KPCU 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.

If you apply for the Starting Point program, you need to prepare your most current pay stub or signed offer letter. In addition to that, you also need a minimum down payment of 10%.

Ways to apply for a KeyPoint Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (877) 552-3004

Additional KeyPoint auto loan details

  • Automatic payment: Available.
  • Loan approval times: Usually, loans get approved within the same business day of application.
  • Rate discounts: As low as 4.74% APR on Enterprise Car Sales.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: $0.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, over the phone, and by mail.

Vehicle restrictions and limitations

  • Maximum vehicle age: Up to 10 years old.
  • Maximum vehicle mileage: Up to 120K with the Fresh Start auto loan program.
  • Other vehicle restrictions: Motor homes and electric bikes are ineligible.

Pros and cons

Pros

  • Fast loan decisions.
  • Low interest rates.
  • Flexible repayment periods.
  • Borrow up to 100%.
  • Rate discounts on Enterprise Car Sales.
  • Loan program for members with challenged credit, new graduates, and newcomers.
  • Available in all 50 states.
  • No payments for 90 days.
  • Easy online application and prequalification available.
  • Available for private party purchases.

Cons

  • Undisclosed auto loan fees.
  • Possible higher rates for members with poor credit scores.
  • Lack of loans for motor homes and electric bikes.

Frequently asked questions

Are there discounts available on KeyPoint auto loans?

When buying from Enterprise Car Sales, you may qualify for a 4.74% APR.

How to apply for an auto loan at KeyPoint Credit Union?

You can apply online, reach out at (877) 552-3004, drop by a branch, or schedule a phone or virtual appointment.

How long does KPCU take to approve vehicle finance?

Most of the time, KeyPoint can approve auto loan applications within the same day. Remember though that it may take longer if you need to provide additional documents.

Are the auto loans available in all 50 states?

KeyPoint Credit Union provides auto loans in all 50 states.

Can I qualify for an auto loan if I have bad credit?

KPCU offers the Fresh Start program to members with challenged credit. This program allows qualified applicants to borrow up to $40,000 and choose a term of up to 66 months.

What is the maximum length of a KeyPoint vehicle loan?

You can make your loan payments for up to 84 months.

Video: KeyPoint Credit Union: Fresh Start auto loan program

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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