Auto Loans & Rates for the Omaha Community
Finding an auto loan for a truck or car at a reasonable rate from a trusted lender can be a difficult and confusing process. At Kellogg Credit Union, we’re committed to providing our members with the lowest auto loan rates possible. Since 1946, we’ve been helping our members secure Omaha auto loans and helping people across the surrounding areas find the right financing. With a reduced interest rate and on-time payments, you can save money and build your credit.
Loan Rates
2023 & Newer
| APR as low as* | Term | Approx Loan Payment** |
|---|---|---|
| 4.74% | 36 months | $597.78 |
| 4.99% | 60 months | $377.40 |
| 5.49% | 72 months | $326.74 |
| 5.99% | 84 months | $292.15 |
*APR = Annual Percentage Rate. Your actual APR will be determined at the time of approval and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. Rates and terms depend on creditworthiness and membership eligibility. Lowest rate includes a discount for auto pay and eStatements with a KCU checking account; without these, the rate is as low as 4.99% APR. Example: $20,000 loan at 4.74% APR for 36 months = $597.78/month.
**Loan payment estimates based on a $20,000 loan.
2019 to 2022
| APR as low as* | Term | Approx Loan Payment** |
|---|---|---|
| 5.99% | 36 months | $608.45 |
| 6.24% | 60 months | $388.98 |
| 6.49% | 72 months | $336.19 |
*APR = Annual Percentage Rate. Your actual APR will be determined at the time of approval and will be based on your application and credit information. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. Rates and terms depend on creditworthiness and membership eligibility. Lowest rate includes a discount for auto pay and eStatements with a KCU checking account; without these, the rate is as low as 6.24% APR. Example: $20,000 loan at 5.99% APR for 36 months = $608.45/month.
**Loan payment estimates based on a $20,000 loan.
For model years older than 2018, call for rates.
Auto Loan Options for the Omaha Area
New & Used
Get pre-approved and be ready to negotiate with the dealership of your choice.
Refinance
Take advantage of our low rates with our Omaha area lending team. Refinance your existing loans from another institution with us!
Why Secure Auto Loans or Refinance with Kellogg Credit Union?
Our operation decisions are made by our volunteer board members, not a corporate office. We are not-for-profit, therefore we value high-quality customer service above all else. When you work with KCU, you’ll enjoy a more personable experience, and you’ll benefit from lower rates.
1. Skip a Payment
We understand that life happens. That's why we offer our members the possibility to be able to skip up to two payments a year on eligible loans.
2. Roadside Assistance with an Assured Checking Account
We offer roadside assistance service to all our Assured Club members because you can rest assured that we care about where you're headed and we're here to get you there safely. Learn more about this account.
3. Loan Protection
Loan protection is a smart choice that will give you peace of mind. We don’t want to think about the worst … we just want you to be prepared for it.
Debt Protection
Protect your family from the unexpected. Coverage available for death, disability, and involuntary unemployment.
Guaranteed Asset Protection with ADR
- Upside-down protection
- No deductible
- Low cost compared to dealers
- Auto deductible reimbursement up to $500
Discounted Auto Insurance with TruStage
Call 1-888-380-9287 to receive a quote for member discounted auto insurance. Learn more about insurance options.
4. Low-cost Auto Warranties
Don’t overpay for an expensive dealer warranty with a high deductible. Protect your investment with a warranty from Route 66.
Route 66 Warranty has a complete line of coverage designed to keep your vehicle on the road. Even the most reliable vehicle can develop a mechanical problem. That’s why so many people depend on Route 66 Warranty. No matter where you travel in the United States, we protect you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts or labor.
- No deductible
- Nationwide coverage
- 24/7/365 Emergency Roadside Service
- Direct claim payments via Visa/Mastercard
Learn more or call 402-593-2680 to speak with a loan officer.
Your purchase of these products is optional and will not affect your application for credit. Certain eligibility requirements, conditions, and exclusions may apply. The products offered are not a deposit, are not federally insured, are not obligations of the credit union, are not guaranteed by the credit union and may involve investment risk.
How Do Car Loans Work?
There are three major factors to consider before making a decision on your auto loan: the loan amount, the annual percentage rate (APR), and the loan term. Whether you’re looking to purchase or refinance your Omaha car or motorcycle loan, you’ll have some options.
- Loan Amount: Consider trade-ins and larger down payments to reduce your loan amount. Your loan amount will not impact your APR, however it can significantly affect your monthly payment.
- Annual Percentage Rate (APR): Your APR can be influenced by a variety of factors, including the model year of your car and your loan term. At KCU, we offer the lowest rates possible, helping you save money.
- Loan Term: The loan term refers to the amount of time you have to pay back the loan. Generally, a longer loan term corresponds to a higher APR. Your financial goals can help you determine the loan length that’s right for you. Regardless of your decision, we will provide the lowest rates possible for your term.
Credit Scores & Auto Loans
Your credit score plays a major role in the auto loan approval process. Lenders use it to assess how likely you are to repay the loan—and it may impact the interest rate and terms you're offered. In general, higher credit scores qualify for lower interest rates, while lower scores may mean higher monthly payments and more interest paid over the life of the loan. Credit scores are one factor in the loan approval process so it is best to speak with a loan officer to understand what you personally qualify for.