KAIPERM Car Loan
Owning a car can change the way you live your life, and choosing the right car is essential to your mobility and travel opportunities. Whether you’re looking to buy something new or used or refinance your current car, you’ll enjoy features like a low annual percentage rate (APR), easy financing, and terms for up to 84 months. Plus, there are never any application fees or pre-payment penalties. Explore different ways to buy a car and the steps you can take to apply for a car loan.
- Up to 100% financing
- New and used cars
- Competitive rates
- No loan application fees
- Guaranteed Asset Protection (GAP)
Enter your Principal, Interest Rate, and Number of Years then click the “Calculate” button to see your estimated monthly payment.
Your Estimated Monthly Loan Payment Is:
Today’s rates
Auto Loans
Rate Effective Date: Jan 1, 2023
| Term | New Auto1 Fixed Rate APR* As Low As | Used Auto Fixed Rate APR* As Low As |
|---|---|---|
| 12 to 36 months | 5.09% | 5.44% |
| 48 months | 5.39% | 5.74% |
| 60 months | 5.59% | 5.94% |
| 72 months | 6.09% | 6.44% |
| 84 months | 6.59% | 6.94% |
* APR – Annual Percentage Rate is subject to change and may vary depending on evaluation of credit history, so your rate may differ.
This Variable APR (Annual Percentage Rate) will vary with the market based on the 91 Day Treasury Bill as published on the third Thursday of each month. Rates are effective on the 1st day of the month and can change monthly.
1. New autos are considered 2021 model year or newer, with 36,000 miles or less.
Insurance
Our team at Kaiperm understands the importance of your peace of mind, and we’re here to provide guidance and assistance so you can find the right policy for your budget with the coverage you need. Kaiperm Credit Union is federally insured and we offer a safe and secure place to manage your money and assets. With our loan protection options, including low-cost guaranteed asset protection and mechanical repair coverage, you’ll have peace of mind with us as your primary financial partner.
| Guaranteed Asset Protection (GAP) | Protect against financial loss with GAP in the event your car is stolen or declared a total loss in an accident. | DOWNLOAD |
| Mechanical Repair Coverage (MRC) | MRC is a high-quality, comprehensive coverage plan that safeguards you from expensive auto repairs. | DOWNLOAD |
Explore Our Financing Products & Services
Auto Buying Service – AUTOLAND®
A Safe Place for Your Money
Kaiperm members can find comfort in knowing that no matter the size of your deposit, every dollar is safe, secure and 100% insured by the NCUA, up to $250,000. We're here to keep your assets safe as they grow.