Auto Loans
From new and used vehicles to refinancing your current loan, Kohler Credit Union offers flexible auto loan options, competitive rates, and trusted local support to help you navigate your next vehicle purchase.
90 DAYS. NO PAYMENTS.**
AUTO LOANS
for all of the journeys ahead.
*APR = Annual Percentage Rate. Subject to credit approval. Membership required.
Quick & Easy Pre-Approval
Get pre-approved quickly so you can shop with a better understanding of your budget and financing options.
Rate Discounts Available
Eligible members with direct deposit may qualify for additional rate discounts included in our advertised as-low-as rates.
90 Days with No Payment**
Enjoy added flexibility with up to 90 days before your first payment on eligible vehicle loans.
Refinance & Recalculate Your Savings
Refinancing your vehicle loan could help you lower payments, reduce interest costs, or simplify your finances with a loan that better fits your current goals and budget.
Lower Your Rate
A lower interest rate could help reduce the amount you pay over the life of your loan.
Adjust Your Loan Term
Explore loan terms that may help lower your monthly payment or better align with your financial goals.
Take Advantage of Improved Credit
If your credit score has improved since opening your current loan, you may qualify for a lower rate.
Simplify Your Payments
Bring your vehicle loan to KCU and manage more of your finances in one convenient place.
Autos and Motorcycles
| Model Year | Maximum Term | APR Rate As Low As† | Monthly Payment‡ |
|---|---|---|---|
| 2024 and Newer | 73 to 84 Months | 5.49% | $14.37 |
| 2022 and Newer | Up to 36 Months | 4.74% | $29.85 |
| 2022 and Newer | 37 to 48 Months | 4.74% | $22.91 |
| 2022 and Newer | 49 to 60 Months | 4.74% | $18.75 |
| 2022 and Newer | 61 to 72 Months | 4.99% | $16.10 |
| 2021 and Older | Up to 36 Months | 5.74% | $30.30 |
| 2021 and Older | 37 to 48 Months | 5.74% | $23.37 |
| 2021 and Older | 49 to 60 Months ($20,000 and over) | 5.74% | $19.21 |
| 2021 and Older | 61 to 72 Months ($25,000 and over) | 5.99% | $16.57 |
Rates as of April 1, 2026.
*Based on loans up to 110% the lesser of purchase price or NADA value to qualified borrowers.
†Rates stated as annual percentage rate. The annual percentage rate you receive is based on certain creditworthiness criteria, and direct deposit of net payroll check to a Kohler Credit Union checking account with eStatements. Other terms and conditions may apply.
‡Monthly Payment is based on payment per $1,000 for rate and term.
RV's and Boats
| Model Year | Maximum Term | APR Rate As Low As† | Monthly Payment‡ |
|---|---|---|---|
| 2023 and Newer | Up to 84 Months (Under $25,000) | 8.59% | $15.89 |
| 2023 and Newer | Up to 120 Months ( $25,000 minimum) | 8.59% | $12.46 |
| 2023 and Newer | Up to 144 Months ($35,000 minimum) | 8.59% | $11.16 |
| 2023 and Newer | Up to 180 Months ($50,000 minimum) | 8.59% | $9.91 |
| 2023 and Newer | Up to 240 Months ($100,000 minimum) | 9.09% | $9.06 |
| 2019 - 2022 | Up to 84 Months (Under $25,000) | 8.84% | $16.02 |
| 2019 - 2022 | Up to 120 Months ($25,000 minimum) | 8.84% | $12.59 |
| 2019 - 2022 | Up to 144 months ( $35,000 minimum) | 8.84% | $11.30 |
| 2018 and Older | Up to 60 Months (Under $10,000) | 10.84% | $21.67 |
| 2018 and Older | Up to 84 Months ($10,000 and over) | 10.84% | $17.05 |
Rates as of April 1, 2026.
*Based on loans up to 110% the lesser of purchase price or NADA value to qualified borrowers.
†Rates stated as annual percentage rate. The annual percentage rate you receive is based on certain creditworthiness criteria, and direct deposit of net payroll check to a Kohler Credit Union checking account with eStatements. Other terms and conditions may apply.
‡Monthly Payment is based on payment per $1,000 for rate and term.
**Loans subject to credit approval. Some exclusions may apply. A $50 internal refinance fee applies when refinancing an existing Kohler Credit Union loan without adding at least $5000 in new funds. Interest will continue to accumulate during the optional 90 day no payment timeframe. Deferred payments may not exceed 90 days. Membership required.
Meet the Lending Team
Protect your investment
Guaranteed Asset Protection (GAP)
Guaranteed Asset Protection (GAP) is a non-insurance product that covers the difference between your vehicle’s value and the amount you still owe if it’s stolen or totaled. Since insurance typically only pays the vehicle’s current value—which depreciates over time—GAP helps protect you from additional financial loss by covering the remaining loan or lease balance.
GAP is available for new or used financed or leased vehicles, including cars, trucks, motorcycles, boats, RVs, trailers, jet skis, snowmobiles, golf carts, and more.
For more information, contact a member service representative at 888.528.2595.
Mechanical Breakdown Protection (MBP)
Mechanical Breakdown Protection, often called an extended warranty, helps cover repair costs when your vehicle breaks down. Available for new and pre-owned vehicles, these plans often cost less than traditional extended warranties and provide added peace of mind when unexpected issues arise.
- 24-hour roadside assistance
- Rental vehicle assistance
- Tire protection
- Trip interruption coverage
- Nationwide protection
- Repairs at any licensed U.S. repair facility of your choice
- Unlimited claims
- Transferable coverage to another person
TruStage™ Auto Insurance
Made available to credit union members like you, the TruStage™ Auto Insurance Program provides top-quality protection designed to fit your budget. You could enjoy discounted rates combined with online convenience and 24/7 claims service.
Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. ©TruStage
AUT-2948937.3
or call: 1-855-589-2146
Explore Our Automotive Calculators
Auto Loans
Frequently Asked Questions
Need a hand? We're here.
What is a vehicle loan?
A vehicle loan helps you finance the purchase of a car, motorcycle, RV, or other recreational vehicle. Kohler Credit Union offers competitive vehicle loan rates, flexible terms, and pre-approval options so you can shop with confidence before visiting a dealership.
Can I get pre-approved for a vehicle loan?
Yes. Getting pre-approved for a vehicle loan through Kohler Credit Union can help you understand your budget, review your rate, and shop with more confidence at the dealership. Vehicle loan pre-approvals are quick and are typically valid for up to 30 days.
How long can I finance a vehicle?
Vehicle loan terms vary based on the vehicle type, age, loan amount, and borrower qualifications. Kohler Credit Union offers flexible financing terms, including extended options for RVs and boats that may be available for up to 240 months for qualified borrowers.
Can I refinance my current auto loan?
You can finance many types of vehicles with a Kohler Credit Union vehicle loan, including cars, motorcycles, RVs, boats, and more. Flexible financing options are available for qualified borrowers purchasing new or used vehicles. A $50 internal refinance fee applies when refinancing an existing Kohler Credit Union loan without adding at least $5000 in new funds.
Are there penalties for paying off my vehicle loan early?
No. Kohler Credit Union vehicle loans have no prepayment penalties, so you can pay off your loan early without additional fees. Paying ahead may also help you reduce the total interest paid over the life of the loan.
What types of vehicles can I finance?
You can finance many types of vehicles with a Kohler Credit Union vehicle loan, including cars, motorcycles, RVs, boats, and more. Flexible financing options are available for qualified borrowers purchasing new or used vehicles.
What is an RV loan?
An RV loan is financing designed for recreational vehicles such as motorhomes, travel trailers, and campers. Kohler Credit Union offers RV financing with flexible terms and competitive rates to help qualified borrowers purchase the recreational vehicle that fits their needs.
How are RV loans different from auto loans?
RV loans are different from auto loans because recreational vehicles often have higher purchase prices, larger loan amounts, and longer repayment terms. Kohler Credit Union offers RV financing options designed to fit the unique costs and needs of qualified RV borrowers.
What is Guaranteed Asset Protection (GAP)?
Guaranteed Asset Protection, or GAP, is a non-insurance product that may cover the difference between your vehicle’s value and remaining loan balance if your vehicle is totaled or stolen. GAP can help protect you from paying out of pocket for a vehicle you no longer have.
Do I need GAP coverage?
GAP coverage may be helpful if you make a low down payment, choose a longer vehicle loan term, or finance a vehicle that may depreciate quickly. It can help cover the difference between what you owe and what insurance pays if your vehicle is totaled or stolen.
What is mechanical breakdown protection?
Mechanical breakdown protection helps cover certain repair costs if your vehicle experiences a covered mechanical failure. It can be available for new or used vehicles and may include additional benefits beyond standard vehicle loan protection options.
What does mechanical breakdown protection cover?
Mechanical breakdown protection may cover repairs for major vehicle systems after a covered mechanical failure. Depending on the plan, it may also include benefits like roadside assistance, rental vehicle reimbursement, tire protection, and trip interruption coverage to help reduce unexpected repair costs.
Can I add protection products to my loan?
Yes. Kohler Credit Union may allow you to add protection products, such as GAP and mechanical breakdown protection, to your eligible vehicle loan. These options can help protect your vehicle investment and manage unexpected costs throughout the life of your loan.
What is included in my monthly vehicle loan payment?
Your monthly vehicle loan payment typically includes principal and interest based on your loan amount, rate, and term. Depending on your eligible loan, it may also include optional protection products you choose to add, such as GAP or mechanical breakdown coverage.
How do I apply for a vehicle loan?
You can apply for a Kohler Credit Union vehicle loan online or by speaking with a lending specialist. The application process is designed to help you review financing options, get approved, and move forward with your vehicle purchase as smoothly as possible.
What documents do I need to apply?
To apply for a vehicle loan, you may need proof of income, identification, and details about the vehicle you plan to purchase. A Kohler Credit Union lending specialist can help you confirm what documents are needed for your application.
How soon can I get my vehicle after approval?
After your vehicle loan is approved, you can usually move forward with your purchase right away. Having Kohler Credit Union pre-approval can help speed up the buying process and make it easier to finalize your purchase at the dealership.
Can I refinance my current auto loan?
You can finance many types of vehicles with a Kohler Credit Union vehicle loan, including cars, motorcycles, RVs, boats, and more. Flexible financing options are available for qualified borrowers purchasing new or used vehicles. A $50 internal refinance fee applies when refinancing an existing Kohler Credit Union loan without adding at least $5000 in new funds.
Why choose a credit union for a vehicle loan?
Choosing a credit union for a vehicle loan can give you access to competitive rates, fewer fees, flexible terms, and personalized service. Kohler Credit Union works with members to review financing options and make the vehicle loan process more affordable and straightforward.
What are the benefits of financing with Kohler Credit Union?
Financing with Kohler Credit Union gives you access to competitive vehicle loan rates, flexible terms, pre-approval options, and helpful protection products. Local lending experts provide personalized support throughout the process, from application to payoff, so you can finance your vehicle with confidence.