Competitive Rates from a Trusted Lender

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 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.


2022 & Newer

APR as low as*TermApprox Loan Payment**
6.74%36 months$615.22
6.99%60 months$395.98
7.49%72 months$345.76
7.99%84 months$311.68

2018 to 2021

APR as low as*TermApprox Loan Payment**
7.74%36 months$624.39
7.99%60 months$405.48
8.24%72 months$353.07

Rate Discounts Available!

Take 0.25% off the stated rates if you add debt protection to your loan.

Take 0.50% off the stated rates if you are an existing member who uses KCU as your primary financial institution and automatic payments for this loan are set up. Qualifying factors include: active checking account with payroll deposit, actively used debit card, average daily balance over $50.00, and signed up for e-statements.

For model years older than 2018, call for rates.

*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.

** Loan payment estimates based on a $20,000 loan.

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, Kellogg Credit Union will provide the lowest rates possible for your term.

Why Secure Auto Loans or Refinance with Kellogg Credit Union?

At 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.

New & Used

Get pre-approved and be ready to negotiate with the dealership of your choice. 


Take advantage of our low rates with our Omaha area lending team.  Refinance your existing loans from another institution with us!

Investment 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

TruStage Auto Insurance

Call 1-888-380-9287 to receive a quote for member discounted auto insurance.


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

For more information 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.