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

2.24% APR*

for 48 months
Used Auto Rates as low as

2.99% APR**

for 48 months
Title Loan Rates as low as 

2.99% APR'

for 48 months

Rates include discounts, see details below."
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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. 2.24% APR applies on vehicles model year 2018 or newer for a 48-month term or shorter. Offer valid thru November 30th, 2019. Other terms and conditions may apply. Payment example: a $20,000 loan with a 48 month term at 2.24% APR would have 47 payments at approximately $436.37 and a final payment at approximately $435.91. 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. 2.99% APR applies on vehicles model year 2010 to 2017 for a 48-month term or shorter. Offer valid thru November 30th,, 2019. Other terms and conditions may apply. Payment example: a $20,000 loan with a 48 month term at 2.99% APR would have 47 payments at approximately $443.17 and a finnal payment of approximately $442.91. 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, vehicle year and term. 2.99% APR applies on vehicles model year 2009 and newer for a 48-month term or shorter. Offer valid thru November 30th, 2019. Other terms and conditions may apply. Payment example: a $5,000 loan with a 48 month term at 2.99% APR would have 47 payments at approximately $129.50 and a final payment of approximately $104.28. 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 States Office with KCT Credit Union as the lien holder. Rates subject to change. All loans subject to approval. Membership and other qualifications apply.

"New and existing (non-delinquent) KCT Platinum or Platinum Rewards cardholders will receive a 0.25% discount on an approved auto loan rate. If at any time the credit card is closed in the duration of the auto loan, the discounted rate will discontinue and the rate will adjust accordingly. 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.

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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