Cars, Trucks, & Motorcycle Loans

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Car, Truck, & RV Refis:

Your First Payment Is On Us!²

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.

Limited time special offer!

Apply Online Visit a Branch

Whether it's your morning commuter, your soccer mom minivan, or your top-down wind-in-your-hair weekender, your vehicle plays an important role in your lifestyle.

And your vehicle 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 our convenient options:

Apply Online
Call 269.382.7800
Visit any branch
Request Kalsee financing at the dealership

Apply Online Visit a Branch Calculate Your Payment

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.

Learn more about loan protections

New and Used Auto and Motorcycle Loan Rates

Get a quick and easy pre-approval for your next car, truck or SUV.

As low as 5.74% APR¹

· Competitive interest rates ·

· No application fee ·

Term (months)	APR¹ as low as (with equity discount)	With VIP Perks Discount¹
0-48	6.24%	5.74%
49-66	6.24%	5.74%
67-78	6.63%	6.13%
79-90	7.13%	6.63%
91-96	7.88%	7.38%

Apply Online Visit a Branch Calculate Your Payment

“Will was incredible with helping me through my loan!

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!!” - Anonymous Member, 2023

More to Explore

1 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 Wednesday, June 3, 2020. Estimated monthly payment for 66 months at 6.24% APR is $17.95 per $1,000 borrowed.

2 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.