Vehicle Loans

Auto Loans

Lower Rates. More Savings. KCT Auto Loans

Financing your new or used auto at KCT Credit Union could save you a bundle on your auto loan, putting more cash back into your wallet. Regardless if you're shopping new or used auto, pre-qualify with KCT Credit Union before you start shopping around!

Already financed your auto somewhere else?  Don’t worry.  Our loan experts will review your loan to see if we can save you money.  To schedule a loan review, contact us at 847.741.3344.

New Auto Rates as low as

1.99% APR*

for 60 months
Used Auto Rates as low as

2.74% APR**

for 60 months
Title Loan Rates as low as 

2.74% APR'

for 60 months

Rates include discounts, see details below."
Apply Now

Stay protected with Guaranteed Asset Protection, Mechanical Repair Coverage and KCT Protection

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*Annual Percentage Rate (APR). Advertised rate is based on excellent credit history and discounts. 1.99% APR applies on vehicles model year 2019 or newer for a 60-month term or shorter. Offer valid thru December 31st, 2020. Other terms and conditions may apply. Maximum term is 72 months, which requires a minimum amount of $20,000 financed. Payment example: a $20,000 loan with a 60 month term at 1.99% APR would have 60 payments at approximately $350.98, resulting in approximately $1,058.80 in finance (interest) charges. Payment may vary from example if electing Guaranteed Asset Protection (GAP) coverage, Mechanical Repair Coverage, or KCT Protection. Rates subject to change. All loans subject to approval.

**Annual Percentage Rate (APR). Advertised rate is based on excellent credit history and discounts. The interest rate you receive will be determined by your creditworthiness. 2.74% APR applies on vehicles model year 2011 to 2018 for a 60-month term or shorter. Offer valid thru December 31st, 2020. Other terms and conditions may apply. Payment example: a $20,000 loan with a 60 month term at 2.74% APR would have 60 payments at approximately $357.78, resulting in approximately $1,466.84 in finance (interest) charges. Payment may vary from example if electing Guaranteed Asset Protection (GAP) coverage, Mechanical Repair coverage, or KCT Protection. Rates subject to change. All loans subject to approval.

'Annual Percentage Rate (APR). Advertised rate is based on excellent credit history and discounts. The interest rate you receive will be determined by your creditworthiness. 2.74% APR applies on vehicles model year 2011 to 2018 for a 60-month term or shorter. Offer valid thru December 31st, 2020. Other terms and conditions may apply. Payment example: a $20,000 loan with a 60 month term at 2.74% APR would have 60 payments at approximately $357.78, resulting in approximately $1,466.84 in finance (interest) charges. Payment may vary from example if electing Guaranteed Asset Protection (GAP) coverage, Mechanical Repair coverage, or KCT Protection. Rates subject to change. All loans subject to approval.

"Members can receive an additional 0.25% discount on an approved auto loan rate when borrowing 60%-80%, depending on credit score, of appraised vehicle value. Receive an additional 0.25% discount on approved auto loan rate when you setup or have an existing automatic deposit into your KCT Checking account of at least $500.00 per month with automatic loan payment. If at any time the automatic deposits discontinue in the duration of the auto loan term the discounted rate will no longer be applied and the rate will adjust accordingly. Offer subject to change.

Title Loans

Need money quick? Don't go to a payday lender!

Title loans are expensive. Lenders often charge an average of 25 percent per month to finance the loan. That translates to an APR of at least 300 percent. It could be higher, depending on additional fees that the lenders may require. For example, if you borrow $500 for 30 days, you could have to pay, on average, $125 plus the original $500 loan amount — $625 plus additional fees — within 30 days of taking out the loan.

Compare that with KCT’s Title loan. For example, a $1,000 loan with a 12-month term at 2.99% APR* would have 12 payments of approximately $84.92, with total finance charges of approximately $19.11. That’s far less than what a payday lender would charge!

https://www.consumer.ftc.gov/articles/0514-car-title-loans#title

If you own your car, KCT offers title loans with affordable rates, as low as 2.74% APR* up to 60 months (rate includes discounts, other qualifications apply, see below for more details**).

If you don’t own your car, but you’ve been making payments for at least a year or two, you may have enough equity to refinance your current auto loan with KCT. Don't get trapped into a high interest title loan elsewhere. Our focus is on getting you as much cash as possible, while keeping your payments manageable.

Getting a title loan with KCT has many benefits:
•  Quick and easy approval process
•  Friendly customer service
•  All makes and models accepted
•  You get to keep driving your car
•  Convenient payment options
•  No payments for 45 days

Apply Now

*Annual Percentage Rate (APR). Advertised rate is based on excellent credit history and discounts. The interest rate you receive will be determined by your creditworthiness, vehicle year and term. 2.74% APR applies on vehicles model year 2011 to 2018 for a 60-month term or shorter. Offer valid thru December 31st, 2020. Other terms and conditions may apply. Payment example: a $20,000 loan with a 60-month term at 2.74% APR would have 60 payments at approximately $357.78. Total finance charges of approximately $1,466.84. Payment may vary from example if electing Guaranteed Asset Protection (GAP) coverage, Mechanical Repair coverage, or KCT Protection. A $95 Title Loan fee will be applied to register the vehicle with the Illinois Secretary of State’s Office with KCT Credit Union as the lien holder. Rates subject to change. All loans subject to approval. Membership and other qualifications apply.
**Members can receive a 0.25% discount on an approved title loan rate when borrowing 60%-80%, depending on credit score, of appraised vehicle value. Receive an additional 0.25% discount on approved title loan rate when you setup or have an existing automatic deposit into your KCT Checking account of at least $500.00 per month with automatic loan payment. If at any time the automatic deposits discontinue in the duration of the title loan term the discounted rate will no longer be applied and the rate will adjust accordingly. Offer subject to change.

Get Out and Ride

Financing your new or used motorcycle at KCT Credit Union could save you a bundle on your motorcycle loan, putting more cash back into your wallet.

Already financed your motorcycle somewhere else?  Don’t worry.  Our loan experts will review your loan to see if we can save you money.  To schedule a loan review, contact us at 847.741.3344.

Apply now 

Boat, RV, Watercraft & Snowmobile

Lower Rates. More Savings. More Fun.

Boats, RV’s, snowmobiles, and watercraft can help you make memories with your family, but they sure can be expensive. Your loan doesn’t have to be, however. Financing your next RV, snowmobile, or watercraft at KCT Credit Union could save you a bundle on your loan, putting more cash back into your wallet.

Apply now

Whether you are looking for a low interest loan or researching financing options available to you, KCT provides online tools and services that make it easy to learn and finance your automobile. Just take a few minutes to look over our loan options and rates. Once you have decided on a loan that’s right for you, take a minute and apply online.

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