Auto Loans

Finance Your Car with a Keesler Federal Auto Loan

Whether you're buying a new or used vehicle or refinancing an existing loan, Keesler Federal offers competitive auto loan rates and flexible terms. Apply online and drive forward with financing designed to fit your budget.

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Auto Financing

What Can I Learn About Auto Loans and Rates?

Keesler Federal Auto Loans help members finance new, used, or classic vehicles with competitive rates and flexible terms. Whether you're purchasing your next car or refinancing an existing loan, our financing options are designed to fit your budget.

Competitive rates for financing new vehicles
Flexible terms for purchasing used vehicles
Specialty loans for classic and collector cars
Refinancing options to help lower monthly payments
Simple online application with fast decision process
Trusted lending from your local credit union
Financial support that helps strengthen local communities

View Auto Loan Rates

Protection Plans

Vehicle Protection Coverage Options

Keesler Federal offers optional protection plans designed to help cover your loan in the event of unexpected situations. These voluntary coverage options can help protect your finances, your vehicle investment, and your family. Explore each option below to understand how protection plans work.

Learn More About Protection Plans

Mechanical Breakdown Coverage (Extended Warranty)

Mechanical Breakdown Coverage (extended warranty) helps protect you from unexpected repair costs after your manufacturer’s warranty expires. This optional coverage helps reduce out-of-pocket expenses and keeps your vehicle protected from costly mechanical failures.

Guaranteed Asset Protection

Guaranteed Asset Protection (GAP) helps cover the difference between what your vehicle is worth and what you still owe on your loan if your vehicle is declared a total loss or stolen and not recovered. Because vehicles often depreciate quickly, your insurance settlement may not fully pay off your loan balance. GAP is a voluntary, non-insurance product that can waive the remaining balance not covered by your primary insurance.

Disability Protection

Disability coverage helps protect your loan payments if you are unable to work due to illness or injury. If you are unable to work for 31 days or more, this coverage can make your loan payments until you return to work or the loan is paid off. These voluntary options provide financial support during unexpected life events and help protect your credit and financial stability.

Loss of Life Coverage

Loss of Life Protection helps ensure your auto loan is paid off in the event of your passing, so your family is not left with the remaining balance. A clear title is issued once the loan is satisfied. Coverage is voluntary, customizable based on your needs, and can be added at loan closing or at any time.

Mechanical Breakdown Coverage (Extended Warranty)

Guaranteed Asset Protection

Disability Protection

Loss of Life Coverage

Multiple Ways to Apply

How to Apply for an Auto Loan

Keesler Federal accommodates multiple convenient methods for you to apply for your auto loan.

Active Duty Benefit

Auto Loan Discount for Active Duty

Active duty service members may qualify for an exclusive 1% discount on vehicle loans through Keesler Federal. It’s one way we recognize your service and help you save on financing.

Exclusive 1% rate discount on auto loans
Available for active duty service members
Applies to new and used vehicle financing
Simple application and eligibility process
Designed to support military members and families

Apply for an Auto Loan

Insurance Requirements

How Do I Provide Proof of Insurance?

Auto loans require full coverage insurance, including comprehensive and collision, for the life of your loan. If you received a request from Keesler Federal, you will need to submit proof of your active policy.

Have your insurance declarations page and Keesler Federal notice ready
Complete the Vehicle Insurance Verification Form to submit your information
Keesler Federal will contact your insurance
Ensure Keesler Federal Credit Union is listed as lienholder
If you do not have insurance, purchase a full coverage policy before submitting

Submit Insurance Information

Auto Loan FAQs

Frequently Asked Questions About Auto Loans

Find answers to common questions about auto loans, terms, applications, refinancing, and what to expect throughout the financing process.

You can pay online, by phone, by mail or at your nearest branch. You can also set up a recurring online payment option. See all loan payment options here.

Please recall that as part of your loan obligation you are required to maintain physical damage/Comp & Collision insurance for the full term of your loan. If you have insurance, you will need your insurance declarations page and the notice from Keesler Federal. Then, please fill out this Vehicle Insurance Verification Form. We will contact your insurance agent to verify that the data on the form is correct. If you do not have insurance, please contact an insurance agency or company of your choice and purchase full coverage, including comprehensive and collision, and list Keesler Federal Credit Union as the lien holder.

Bank Anytime with the Keesler Federal Mobile App

The Keesler Federal Mobile Banking App lets members securely access accounts, deposit checks, transfer funds, and track everyday spending directly from their phone.

Securely check balances, move money, and deposit checks from anywhere
Deposit checks, pay bills, and send money quickly using secure mobile banking tools
Set up account alerts and track spending to stay in control of your finances

Download the Keesler Federal Mobile Banking App on the App Store

Rates

¹ Actual rates and terms vary based on credit history, loan amount, and collateral.

APR is annual percentage rate.

New Auto loan rates

*Current and previous year’s models.

Used Auto loan rates

*Models between 2 – 6 years old.

Classic auto rates

*Models 25 years or older.

Rate tables disclosure

¹Actual rates and terms vary based on credit history, loan amount and collateral.

APR is annual percentage rate.

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Finance Your Car with a Keesler Federal Auto Loan

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