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Auto & RV Loans


Apply for an Auto or RV Loan Now!

KALSEE Credit Union is your partner in achieving your financial goals, dreams, and aspirations. We provide convenient ways to manage your finances and get the products or services what you want. Owning your dream car is now easier with our flexible auto loans in Michigan. It’s our goal to give you the best options and deals so you can drive home your new or used vehicle in no time.

Get preapproved or ask for KALSEE financing right at the dealership!

The Loan You Need

With a growing number of companies offering vehicle financing, finding a loan that fits your needs and financial situation can be tough. At KALSEE Credit Union, we can get you the auto financing you need with customizable auto loans. Our local credit union provides a complete solution to your banking and financing needs. We assist members in finding the best loan deals in Michigan.

Kalamazoo, Portage, and Battle Creek area, MI, members can trust us to build the ideal financing product for each situation. Whether you’re planning to buy a new or used car, we can help you find the right program. We work with a number of trusted dealerships in Michigan to give you great options. Talk to us for more information on getting the best auto loan in your location.

Boost Your Credit ScoreGreat Rates

At KALSEE Credit Union, we offer flexible and convenient loan rates to make the payment process easier for you. You may choose from a variety of terms with corresponding interest rates and required down payments. For your convenience, we have our vehicle loan rates listed below. Feel free to use our Dealership List to help find the perfect vehicle to fit your budget.

How to Apply

Applying for an auto loan in Michigan is quick and easy. You can do your KALSEE financing on the spot at the car dealership, apply online, or just visit one of our locations in Kalamazoo, Portage or Battle Creek and ask to speak with one of our knowledgeable loan officers. We can assist in completing and processing your application. Our financing specialists will answer your questions and guide you through the process until you get the car you have always wanted.


Vehicle Loan Rates

New Auto & Motorcycle Loans

TERMAPR* as low aswith VIP Perks discountwith Platinum Perks discountQUALIFICATIONS
0-60 Months2.50%2.00%2.25%10% (or more) down
0-60 Months2.75%2.25%2.50%Less than 10% down
61-72 Months3.00%2.50%2.75%10% (or more) down (minimum of $10,000 financed)
61-72 Months3.25%2.75%3.00%Less than 10% down (minimum of $10,000 financed)
APR with VIP or Platinum Perks discount will not be reflected on your contract. The discount will be applied to your loan each month that you maintain VIP or Platinum Perks status.
APR* as low aswith VIP Perks discountwith Platinum Perks discount
0-60 Months, 10% (or more) down
2.50%2.00%2.25%
0-60 Months, Less than 10% down
2.75%2.25%2.50%
61-72 Months, 10% (or more) down (minimum of $10,000 financed)
3.00%2.50%2.75%
61-72 Months, Less than 10% down (minimum of $10,000 financed)
3.25%2.75%3.00%
APR with VIP or Platinum Perks discount will not be reflected on your contract. The discount will be applied to your loan each month that you maintain VIP or Platinum Perks status.

Used Auto & Motorcycle Loans (less than 6 years old)

TERMAPR* as low aswith VIP Perks discountwith Platinum Perks discountQUALIFICATIONS
0-60 Months2.50%2.00%2.25%10% (or more) down
0-60 Months2.75%2.25%2.50%Less than 10% down
61-72 Months3.00%2.50%2.75%10% (or more) down (minimum of $10,000 financed - model year no more than 1 year old)
61-72 Months3.25%2.75%3.00%Less than 10% down (minimum of $10,000 financed - model year no more than 1 year old)
APR with VIP or Platinum Perks discount will not be reflected on your contract. The discount will be applied to your loan each month that you maintain VIP or Platinum Perks status.
APR* as low aswith VIP Perks discountwith Platinum Perks discount
0-60 Months, 10% (or more) down
2.50%2.00%2.25%
0-60 Months, Less than 10% down
2.75%2.25%2.50%
61-72 Months, 10% (or more) down (minimum of $10,000 financed - model year no more than 1 year old)
3.00%2.50%2.75%
61-72 Months, Less than 10% down (minimum of $10,000 financed - model year no more than 1 year old)
3.25%2.75%3.00%
APR with VIP or Platinum Perks discount will not be reflected on your contract. The discount will be applied to your loan each month that you maintain VIP or Platinum Perks status.

Used Auto & Motorcycle Loans (more than 6 years old)

TERMAPR* as low aswith VIP Perks discountwith Platinum Perks discountQUALIFICATIONS
0-60 Months3.50%3.00%3.25%10% (or more) down
0-60 Months3.75%3.25%3.50%Less than 10% down
APR with VIP or Platinum Perks discount will not be reflected on your contract. The discount will be applied to your loan each month that you maintain VIP or Platinum Perks status.
APR* as low aswith VIP Perks discountwith Platinum Perks discount
0-60 Months, 10% (or more) down
3.50%3.00%3.25%
0-60 Months, Less than 10% down
3.75%3.25%3.50%
APR with VIP or Platinum Perks discount will not be reflected on your contract. The discount will be applied to your loan each month that you maintain VIP or Platinum Perks status.

Boat & RV Loan Rates

TERMAPR* as low aswith VIP Perks discountwith Platinum Perks discountQUALIFICATIONS
Up to 84 Months4.25%3.75%4.00%Up to $10,000
Up to 144 Months4.50%4.00%4.25%$10,000 - $25,000
UP to 180 Months4.75%4.25%4.50%$25,000 +
APR with VIP or Platinum Perks discount will not be reflected on your contract. The discount will be applied to your loan each month that you maintain VIP or Platinum Perks status.
APR* as low aswith VIP Perks discountwith Platinum Perks discount
Up to 84 Months, Up to $10,000
4.25%3.75%4.00%
Up to 144 Months, $10,000 - $25,000
4.50%4.00%4.25%
Up to 180 Months, $25,000 +
4.75%4.25%4.50%
APR with VIP or Platinum Perks discount will not be reflected on your contract. The discount will be applied to your loan each month that you maintain VIP or Platinum Perks status.
Apply for an Auto or RV Loan Now!

*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.