That's Right! New or Used Vehicles with rates as low as 2%!

No matter what your credit score, a KALSEE auto loan rate is always competitive - as low as 2%. At these rates we are as affordable as the top banks in Battle Creek, MI. This low auto loan rate requires very little on your part:

• A Premium level credit score
• Full participation in KALSEE's "Lending Rewards Program"

KALSEE's Lending Rewards Program is really quite simple to take advantage of. In fact, if you qualify for a loan, you may already be eligible for a Lending Rewards rate reduction and not even know it! The more you take advantage of KALSEE benefits and services, the more comes off of your qualifying auto loan rate....as much as 1/2% below our normal loan rates!!!*

Click here to learn more about KALSEE Lending Rewards or click to apply for your KALSEE Loan! Our services can compete with any of the banks in Battle Creek and Kalamazoo, Michigan.

Your credit score determines your qualifying rate. The 2% rate is based on a Premium Tier credit score and the maximum rate reduction from participation in the Lending Rewards Program. Also requires automatic Payment Transfer. PLEASE NOTE: The legal age to apply for and obtain credit on your own is 18 years of age or older.

THREE DIFFERENT WAYS TO APPLY FOR A KALSEE LOAN!

1. Apply at any KALSEE Credit Union office location for any one of a variety of low-cost KALSEE loans.
   
   
2. Click Here to Apply Online
   
   
3. Our Printable Loan Application. You can mail in, fax or drop off the completed paper copy of your application. A KALSEE fax number is on the application or you can fax it to the KALSEE office of your choice. Please remember to sign and date the paper version of your application.  (Click Here for the fax numbers and locations of our offices.)

If you have any questions regarding your KALSEE loan, please feel free to call us at: 269.382.7800 or toll-free at 877.KALSEE1.

Need some help estimating your loan? Use the KALSEE Loan Calculator.

The Loan Calculator can provide you with a close estimation of a monthly loan payment, but your exact payment will be based on an interest rate determined by your credit score. Please also note that calculator usage is not a guarantee that a loan will be granted.

To get the ball rolling, submit a loan application below or contact any KALSEE office if you have questions. We can work with you to find your precise monthly payment and terms that will fit your budget.

Want to Fax in or Mail your Loan Application to KALSEE? Click to Download a Printable Loan Application Fax Number and Mailing Address are at the top of the application

Loan qualification is required in order to obtain a loan  from KALSEE Credit Union. Federal law requires the verification of identification for all new accounts.

A person's intent to be a joint applicant must be evidenced at the time of application. Signatures on a promissory note may not be used to show intent to apply for joint credit. On the other hand, signatures or initials on a credit application affirming applicants' intent to apply for joint credit may be used to establish intent for joint credit.

Any Loan Insurance products offered at KALSEE are voluntary.

Gap Insurance
KALSEE Credit Union offers GAP Insurance for vehicle loans at considerably less cost than dealerships charge. GAP insurance pays the difference between the actual cash value and the amount left on the loan if your car is stolen or declared a total loss due to an accident. For additional information on GAP insurance, click here.