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Consumer Loans

Come to KFCU First

Whatever you’re financing, KFCU has a loan to fit, with fast approval, low rates and flexible terms. Set up automatic payments through payroll deduction or direct deposit, and add optional Debt Protection to most consumer loans.

Vehicle and Recreational Vehicle Loans

Finance cars, trucks, campers, boats and other recreational vehicles: up to 100% of the purchase price for new vehicles and up to 100% of the J.D. Power (NADA) value for used.

Shop with confidence. Get pre-approved before you visit the dealer. A Financial Service Representative will help you find a payment and term that work for you.

Finance at the dealership. Many local dealers can set up your KFCU loan right where you buy.

New Vehicles (2023 and newer, never titled except to a dealer)

Finance up to 100% of the purchase price
Terms up to 84 months (84-month terms require a minimum loan of $25,000)
Optional Debt Protection, GAP coverage and Route 66 mechanical breakdown protection
Collision and comprehensive insurance required

Used Vehicles

Finance up to 100% of J.D. Power (NADA) retail value
2018–2022 models: terms up to 72 months
2017 and older: terms up to 36 months
Optional Debt Protection
Collision and comprehensive insurance required

Personal (Signature) Loans

A new appliance, home repairs, a wedding, a well-earned vacation: a personal loan gives you funds for life’s planned and unplanned expenses, with a range of rates and terms to choose from.

Visa® Credit Cards

From students building credit to established professionals, there’s a KFCU Visa® card for you. Enjoy low rates, no annual fee and worldwide acceptance.

Streamline Line of Credit

Streamline is a revolving line of credit you can use as overdraft protection or for everyday needs. Access funds by writing a check from your KFCU checking account. As you pay it down, the funds are available again. As overdraft protection, it can help you avoid returned checks and NSF fees

Specialty Loans

We offer special financing throughout the year, along with these ongoing options:

Fuel Loans: Stay warm with a low-rate loan for oil, kerosene, propane, wood, or wood or coal pellets. To get the special fuel rate, bring your supplier’s invoice and we’ll make the check payable directly to them.

Computer Loans: Upgrade your home office or replace an aging computer with a loan designed for the purpose.

Mobile Home Loans

Affordable financing for mobile homes, with or without land. Finance up to 75% for new mobile homes and up to 65% for used mobile homes on leased land or in a park.

Mobile home with land Mobile home without land

2021 and newer Up to 180 months Up to 180 months

2016–2020 Up to 180 months Up to 120 months

Land Loans

Finance up to 70% of the purchase price or appraised value, whichever is less, with terms up to 12 years.