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Great Rates and Fast Approvals

Fort Knox Federal Credit Union vehicle loans offer low rates, fast and easy application process, no prepayment penalties and you can close your loan online to get your money faster. Apply anytime online or by phone and get pre-approved before you go to the dealer. Funds are available the same day in most cases. Optional Extended Warranty Coverage.

• New vehicle (as low as) 1.74% APR*
• Used vehicle (as low as) 2.49% APR**
• Flexible terms
• Fast approval process
• Apply 24/7 online
• Purchase or Refinance

Non-members Apply Here

Frequently Asked Questions

How can being pre-approved help me when I’m car shopping?
Being pre-approved helps you focus on negotiating the best price, knowing that you won’t end up with high rate financing when you close the deal. Plus, car dealers tend to take people more seriously when they come in with pre-approved financing because it means you’re ready to do business and not just “window shopping.” That puts you in a better position to negotiate, since they know you are a serious buyer.

How fast can I be approved? Will funds be available same day?
In many cases, your funds may be available the same day. We understand that sometimes the vehicle-buying process is urgent. Maybe your old car no longer works and you need a new one fast. Our loan specialists will answer your questions and help expedite the simple application and quick approval process.

Can I pay my car loan off quicker than the payment schedule?
Absolutely. At Fort Knox Federal, there are no prepayment penalties for paying off your vehicle loan faster than your payment schedule. In fact, it’s a great way to save interest expense in the long run.

Extended Warranty Coverage

Fort Knox Federal Credit Union now offers automobile protection that extends beyond the manufacturer's factory warranty and covers repairs of unexpected mechanical breakdowns.

We offer options for newer or older vehicles that could save you thousands. Get your free instant quote today!

Guaranteed Asset Protection (GAP)

GAP is an affordable way to protect against potential financial loss. In the event the financed vehicle is stolen, damaged beyond repair, or otherwise declared a total loss, GAP pays the difference between your insurance company's actual cash value of your car, less your deductible, and your Fort Knox Federal Credit Union loan balance.

GAP can save you from making loan payments for a vehicle that’s beyond repair, stolen or unrecoverable.

If you’ve financed more than 75% of the value of your vehicle, or intend to purchase a vehicle with little or no money down, you should consider protecting your investment with GAP, which is available for both new and used vehicles, including all car makes and models, light trucks, vans, personal watercraft, snowmobiles, ATVs, motorcycles and some small RVs and boats valued up to $100,000.

You can purchase GAP at any time during the life of your Fort Knox Federal vehicle loan and it is completely refundable if cancelled within the first 60 days of the loan. So ask about GAP when you apply for your Fort Knox Federal Credit Union vehicle loan.

In consideration for your payment of the GAP Waiver Fee we will waive the GAP Amount due to a Total Loss, Constructive Total Loss or an Unrecovered Theft to the Eligible Collateral. Our waiver shall be equal to the GAP Amount including, if the collateral is protected by Primary Insurance, up to $1,000 for the Primary Insurance deductible. The deductible will only be paid if there is a deficiency balance on the loan. The GAP Amount waived shall not exceed $50,000. If the Eligible Collateral is not covered by Primary Insurance, we will waive only the GAP Amount obtained by subtracting the Actual Cash Value of the Eligible Collateral from the Unpaid Net Balance. We will not waive that portion of the Unpaid Net Balance attributable to the original Installment Loan amount exceeding 125% of the Manufacturer's Suggested Retail Price (MSRP) on new vehicles or 125% of NADA Retail, on used vehicles.
Additionally, this Waiver does not include the following:
  Any refundable additions to amount financed
  Interest accrued after Date of Loss
  Delinquent Payments or any missed payments more than 30 days past due
  Late charges, fees or funds added after Installment Loan inception
  Deductions made by the Primary Insurance Carrier for towing fees, storage fees, salvage purchase, or for prior damage that has already been paid to you
  Portion of Installment Loan that exceeds 125% of Manufactured Suggested Retail Price (MSRP) for new vehicles or 125% of NADA Retail for used vehicles
  Debt Consolidation of the Borrower/Debtor included in the amount financed unrelated to the purchase of the vehicle (i e. additional funds to pay credit card debt). Non Purchase Loans are exempt from this exclusion
  Leases and Balloon Notes
  Primary Insurance deductible in excess of $1,000

Direct Dealer Financing

Are you looking for a way to make your vehicle buying experience easier? If so, be sure to take advantage of Fort Knox Federal Credit Union’s Dealer Direct Financing Program. Save time, money and energy by financing your new/used vehicle with Fort Knox Federal Credit Union through one of our participating Dealer Direct Partners .  Be sure to let the Finance Department at the dealership know that you would like to finance your loan through Fort Knox Federal Credit Union and they will take care of the rest. It’s that easy!

Check any of these Dealer Direct Partners for the perfect car, truck, SUV or van for you.

The dealer will handle all the paperwork for your Fort Knox Federal Credit Union loan and you will always get the same low rates being offered at our Fort Knox Federal Credit Union branches. And Fort Knox Federal Credit Union will absorb all but $150 of the additional costs associated with providing this convenient financing at the dealership.

*Annual Percentage Rate. Quoted rate is fixed for new vehicles and is based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. Rate applicable to new purchases or external refinancing only with a vehicle that has 60% LTV (Loan to Value). Vehicle must be 2015 or newer for 1.74% APR to apply.
**Annual Percentage Rate. Quoted rate is fixed for used vehicles and is based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.. Rate applicable to new purchases or external refinancing only with a vehicle that has 60% LTV (Loan to Value).

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This credit union is Federally insured by the National Credit Union Administration

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