Auto Loans

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Ready to get started?



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Scenic roads. Swift waters. Single-track trails. Daily driving.

Go time. Depending on your preferred ride, that can mean different things to different people. But at KEMBA Financial Credit Union, it means we move swiftly to arrange affordable car loans and vehicle financing so you can begin enjoying your next car, minivan, pickup, boat, motorcycle, recreational vehicle or ATV in Ohio as soon as possible.
  • Financing for new and used vehicles of all types
  • Refinancing for current auto loans
  • Competitive interest rates with exclusive KEMBA Advantage Program discount
  • Flexible repayment periods
  • Pre-approval so you know your budget
  • Easy online application
  • Schedule easy automatic payments through Digital Banking
  • Work with friendly, experienced lenders who can explain all your options and walk you through the application process
  • Use KEMBA's Auto Loan Calculator to estimate what you'll pay each month
 

Choose an option below to get started!

Digital Banking users

Open KEMBA's Mobile App or log in to Digital Banking and select "Apply for a loan" on the menu or ☰.

Not a member or Digital Banking user?



Rates effective as of May 1, 2025 .

See Our Competitive Auto Loan Rates

Year KEMBA Advantage
Rate as low as (Rate)		 KEMBA Advantage
Rate as low as (APR)		 Everyday Rate as low as (Rate) Everyday Rate as low as (APR)
2022 & Newer 4.99% 5.29% 5.49% 5.79%
2021-2019 6.24% 6.54% 6.74% 7.04%
2018 & Older 6.49% 6.79% 6.99% 7.29%
AUTO LOANS: APR=Annual Percentage Rate. Rates are subject to change without notice and may vary due to factors specific to each loan. APRs may vary based upon creditworthiness and Advantage status. Click here for more on qualifying for Advantage status. Finance charges are calculated using the daily balance method. Rates may vary based on one or more of the following: credit rating, age and/or value of collateral (if any), document prep fee, and term of loan. APRs shown are based on a $20,000 loan with a $124 doc prep fee. Document prep fee may vary. Vehicle loans are amortized over 51 months.

Explore Our Auto Loan Options

KEMBA offers a variety of auto loan and car loan refinancing options to save you money.
NEW CAR Loan

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New Auto Loans

  • New car financing for up to 84 months
  • Get pre-approved before you shop
  • No payments for 90 days
USED car Loan

A girl smiling out the window of a car.

Used Auto Loans

  • Used car loans for up to 84 months
  • Get pre-approved before you shop
  • No payments for 90 days
Auto Refi

A family of four sitting in an open trunk smiling.

Auto Loan Refinancing

  • Competitive interest rates
  • Repayment terms up to 84 months
  • Pay off your car faster or lower your monthly payment
RV, ATV, boat or motorcycle Loans

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New and Used RV, ATV, Boat, or Motorcycle Loans

  • Get pre-approved before you shop for new purchases
  • Refinance to pay off your recreational vehicle more quickly or lower your payment with a fixed rate
  • No payments for 90 days





















Speak With Our Experts

Auto Loan Application

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Learn More About Auto Loans

To learn more about Auto Loans, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started.

 
At KEMBA Financial Credit Union, we offer personal banking solutions for Central Ohio residents, as well as a full suite of personal banking products and services with low fees, competitive rates on credit cards, home mortgages and home equity loans, auto loans, personal and student loans, and financial wellness and counseling services.

To learn more, call us at 614.235.2395, option 4, or visit one of our local branches in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville or Whitehall. Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank.
Disclosures
*Important information about your loan application:
A KEMBA membership is required before you can receive a loan. While you can complete and submit the online loan application prior to membership, we require that you join the Credit Union before your loan is funded. Find out if you’re eligible for membership.

Online loan applicants must be at least 18 years old and U.S. Citizens. When you submit an online loan application you are authorizing KEMBA Financial Credit Union to obtain your consumer credit reports from national credit reporting agencies, and contact you via telephone, email, or mail in regards to your application. It is also important to note that information obtained by KEMBA from your loan application may be kept and maintained by the Credit Union for an indefinite period of time, and may be shared with business affiliates of the Credit Union for any lawful purpose. KEMBA is an equal opportunity lender.
 
USA PATRIOT Act
Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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Personal Loans

Empower your dreams and take control of your finances.

Whether its securing cash to maintain living expenses or preparing for a large purchase or life event, this could be the solution you need.

Personal loans of up to $50,000 are available with five-year terms!
Become a member

Come see why we're a better way to bank.


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