Whether you’re buying or refinancing, KEMBA Indianapolis Credit Union helps you hit the road with confidence. Our auto loans make it easy to find a payment that fits your budget.
Get pre-approved before you shop, or move your existing loan to KEMBA and start saving on rate, payment, and more. Apply online with the link at the top of the page or speak with a Member Service Representative today!
When you choose KEMBA Indianapolis for your auto financing, you get more than just a loan. You enjoy:
Auto Loan Rates Effective 01/02/2026
| New and Used Auto Loans | Terms* | APR** |
| 2024- current model year | 48-84 months | rates as low as 5.29%*** |
| 2019-2023 | 48-72 months | rates as low as 5.59%*** |
| 2018 and older | 48-60 months | rates as low as 8.39%*** |
*Term availability depends on credit score. Some terms may not be available.
**APR = Annual Percentage Rate
***Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan.
Buying a new car or already own one? Protect your investment with a FREE quote on an affordable extended warranty plan from KEMBA. Simply provide your vehicle’s mileage and VIN (Vehicle Identification Number) to get started. Unlike most dealer plans, our extended coverage offers excellent protection at a fraction of the cost.
Looking for even more ways to save? KEMBA partners with TruStage to bring you affordable auto insurance. Whether you already own a car or are planning to buy, you can get a FREE quote and see how much you could save on quality coverage. It’s just another way we help you protect what matters—at a price that fits your budget.
Not sure where to start? Complete the quick form below and a KEMBA representative will contact you to review your options. This is not a full application and will not impact your credit. Please contact us if you have questions or need assistance. We’re here to guide you every step of the way!
*Auto Loan Rebate Details: Cash rebate equals 1% of the qualifying auto loan refinance amount, up to a maximum rebate of $500. Rebate is calculated on the amount used to refinance an existing auto loan from another financial institution and excludes optional ancillary products and cash-out proceeds. Cash-out amounts are not eligible for the rebate. Existing KEMBA auto loans are not eligible. Rebate will be deposited into the member’s KEMBA Indianapolis Credit Union account after the qualifying refinance loan is funded. Membership eligibility requirements apply. All loans are subject to credit approval, underwriting criteria, and KEMBA Indianapolis Credit Union lending guidelines. Rates, terms, and loan amounts are based on creditworthiness and other applicable factors. Offer is available for a limited time (10/1/2026 -12/30/2026) and may be modified or withdrawn at any time without notice. Additional restrictions may apply.
Existing Members- Login to MyBranch online banking to complete the application.
Not a member? Use this application to submit your loan request.
All loans are subject to credit approval and underwriting criteria. Membership with KEMBA is required. If you are a non member, applying for a loan will also initiate a membership application.
