Auto Loans - Fort Knox Federal Credit Union

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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 available to purchase.

• Vehicle rates as low as 2.59% APR 1
• Flexible terms
• Fast approval process
• Apply 24/7 online
• Purchase or Refinance


Understanding Your Auto Loan

Click here to learn about different finance options, fixed and variable interest rates, how monthly payments are calculated, and organizations that protect consumer’s interests.

  1-60 mo
APR as low as 1
61-66 mo
APR as low as 1
67-72 mo
APR as low as 1
73-78 mo
APR as low as 1
79-84 mo
APR as low as 1
New Auto 2.09% 2.24% 2.49% 2.99% 3.49%
Used Auto 2.84% 2.99% 3.24% 3.74% 4.24%

1 Annual Percentage Rate. Quoted rate is fixed for vehicles model year 2018 and newer 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 2018 or newer for 2.59% APR to apply. Rates subject to change at any time.
3 The calculation will include a quote for credit life and disability coverage on your loan.

Extended Warranty Coverage

Fort Knox Federal Credit Union 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!

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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 $185 of the additional costs associated with providing this convenient financing at the dealership.

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.

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