Loans subject to credit qualifications and approval. APR will vary based on credit score, loan-to-value, age of vehicle, loan term, KEMBA Advantage status, payment method, and document preparation fee. Interest will accrue during 90 deferral period, if selected, and will increase the total amount to repay the loan. 1% cash back up to $500 available on vehicle refinances only, new money only, existing KEMBA loans are not eligible. Business auto loans excluded. Motorcycles, boats, and other recreational vehicles not eligible. Cash back will be deposited into Primary Savings Account prior to 11:59:59 p.m. the next business day following the loan funding. Loan must be funded on or before 4.18.2026 to receive the payout. Payout amount is dependent on amount financed. Advantage Status is not required for payout. For example: If you finance a $20,000 auto, you will receive a $200 payout. Cash back will be treated as a dividend payout and is taxable. Please consult a tax advisor to determine how cash back will affect your tax obligations. Visit our Advantage page at kemba.org for Advantage Program details. KEMBA membership, with $5 primary savings deposit, required. Federally insured by the NCUA. Equal opportunity lender. Offer ends 4.18.2026. Offer subject to change at any time.
*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.
