Limited time: No payments for 90 days!1
Looking to upgrade your vehicle or lower your rate on your current auto loan? Now’s the perfect time. For a limited time, Kalsee is offering no payments for 90 days,1 giving you extra room in your budget as you start the new year.
Savings start here:
- Available on new or refinanced auto loans
- Start the year with more flexibility and less financial stress
- Quick and easy application process
Whether you're ready for a new ride or want to save with a better rate, this offer lets you hit the road today and delay your first payment until spring.1 This offer won't last, so apply today!
Your auto loan plays an important role in your budget.
We'll help you craft the perfect loan for both your budget and your lifestyle, empowering you to focus on what matters. Whatever that means to you.
- Terms up to 96 months
- Rate discounts for VIP and Platinum Perks members
- Protections available: GAP Advantage, Major Mechanical Protection, and Payment Protection
- No prepayment penalty
How to Apply
Applying for a car loan is quick, easy, and fee-free. Choose from several convenient options:
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Call 269.382.7800
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Request Kalsee financing at the dealership
Refinancing? Your first payment is on us!3
Shopping to refinance your car, truck, toy, or RV loan is a pretty simple way to save some money in your budget. Can you lower your rate or payment? We can help you do a check-up to make sure you’re getting the best deal on your loan, plus, refinance your loan from another financial institution with Kalsee, and we’ll make your first payment! For real.
Pro Tip:
Protect your loan with GAP Advantage, Major Mechanical Protection, and/or Payment Protection. Whether you experience mechanical issues, loss of income, or your car is totaled in an accident, we've got your back when the unforeseen happens.
The entire Kalsee team was beyond professional, driven and organized, making the entire process extremely easy and quick from start to finish. Doing all my banking through Kalsee from now on, and I recommend Kalsee to people I know as well. Thank you!!”
The Empowerment Edit
1 Minimum term of 48 months. Payment deferral available for up to 90 days from loan disbursement on eligible in-house auto purchase or refinance loans. Interest begins accruing at the time of disbursement. Deferred payments do not eliminate interest charges. At the end of the deferral period, regular monthly payments will begin. The total finance charge may be higher than if payments had started immediately. Subject to credit approval, underwriting guidelines, and vehicle eligibility. Rates, terms, and conditions may vary based on creditworthiness. Membership required. Offer may be changed or discontinued at any time without notice.
2 APR = Annual Percentage Rate. Rate determined by credit experience. Rates subject to change. Restrictions may apply. The legal age to apply for and obtain credit is 18 years of age. As low as rates reflect equity discount. APR with VIP or Platinum Perks discount will not be reflected on your contract or payment amount. The discount will be applied to your loan as a rebate to your loan balance each month that you maintain VIP or Platinum Perks status. Rates effective . Estimated monthly payment for 66 months at 5.99% APR is $17.83 per $1,000 borrowed.
3 Minimum term of 48 months, fully amortizing. Loan must be a refinance from another financial institution. Current Kalsee loans not eligible. Some restrictions may apply. Approval subject to credit union requirements and underwriting guidelines. Rates based on credit experience. New members subject to eligibility requirements. Loans paying off in the first six months must pay back the First Payment On Us benefit.