Your vehicle helps you live life to the fullest. That is why Kern Schools is committed to helping our Members access competitively-priced new and used auto loans, as well as loans for motorcycles, recreational vehicles and watercraft.

Our experienced bankers have financed thousands of Bakersfield car loans and are available to assist with yours today.

Auto Loans

Kern Schools Federal Credit Union takes the hard work out of financing your next new or used vehicle

Get pre-approved at any of our branch locations, online, over the phone at (661) 833-7900 / (800) 221-3311 (if outside of Bakersfield), or at any of our participating dealer locations.

  • New and Used
  • Competitive low fixed rates
  • Flexible terms

New Auto Rates

New Auto Rates apply to current model year, plus three prior years, with less than 35,000 miles.
Rates Effective As Of 04/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
per $1,000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
Up to 48 mo. N/A 1.99% – 14.24% $21.69 – $27.45
66 mo.  $10,000 1.99% – 14.24% $16.01 – $21.94
75 mo.  $15,000 2.49% – 17.50% $14.41 – $20.73
84 mo.  $25,000 3.49% – 17.50% $13.44 – $20.73

Used Auto Rates

Rates Effective As Of 04/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
per $1,000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
Up to 48 mo. N/A 2.49% – 15.24% $21.91 – $27.95
66 mo.  $10,000 2.49% – 15.24% $16.23 – $22.47
75 mo.  $15,000 2.99% – 17.50% $14.63 – $22.02
84 mo.  $25,000 3.99% – 17.50% $13.66 – $20.73


Motorcycle / Off-Road ATV

Whether you are looking to get a street bike, scooter, dirt bike or ATV, Kern Schools can help make your adventurous dreams come true with an affordable motorcycle loan. We offer the following:

  • New and used
  • Competitive low fixed rates
  • Flexible terms
  • No prepayment penalty
  • Includes ATV’s, Dirt Bikes, Scooters, and Snowmobiles
  • Payment protection available

Recreational / Motor Home / Cargo Trailer

When you’re ready to explore all that Kern County has to offer, come see Kern Schools about a recreational vehicle loan. Our competitive rates make it easy to finance the things that enhance the adventure in your life. Kern Schools provides our Members with access to:

  • New and used
  • Competitive low fixed rates
  • Flexible terms and conditions
  • No prepayment penalty
  • Payment protection options

Rates Effective As Of 04/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

CONSUMER RATES FOR TITLED VEHICLES Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
NEW: 36 mo.
48 mo.
60 mo.
72 mo.
N/A
N/A
$10,000
$20,000
1.99% – 14.49%
2.99% – 15.49%
2.99% – 15.49%
3.99% – 16.49%
$28.64 – $34.42
$22.13 – $28.08
$17.96 – $24.08
$15.64 – $21.96
USED: 36 mo.
48 mo.
60 mo.
72 mo.
N/A
N/A
$10,000
$20,000
2.49% – 14.99%
3.49% – 15.99%
3.49% – 15.99%
4.49% – 16.99%
$28.86 – $34.66
$22.35 – $28.34
$18.19 – $24.31
$15.87 – $22.24


Rates Effective As Of 04/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

CONSUMER RATES FOR TITLED VEHICLES Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
NEW: 36 mo.
48 mo.
84 mo.
96 mo.
120 mo.
144 mo.
180 mo.
N/A
N/A
$10,000
$20,000
$30,000
$50,000
$75,000
2.49% – 14.49%
3.49% – 15.49%
3.49% – 15.49%
4.49% – 16.49%
5.49% – 17.49%
6.49% – 17.49%
6.99% – 17.49%
$28.86 – $32.73
$22.35 – $28.08
$13.44 – $19.57
$12.42 – $18.82
$10.85 – $17.69
$10.01 – $16.65
$8.98 – $15.74
USED: 36 mo.
48 mo.
84 mo.
96 mo.
120 mo.
144 mo.
180 mo.
N/A
N/A
$10,000
$20,000
$30,000
$50,000
$75,000
2.99% – 14.99%
3.99% – 15.99%
3.99% – 15.99%
4.99% – 16.99%
5.99% – 17.99%
6.99% – 17.99%
7.49% – 17.99%
$29.08 – $34.66
$22.57 – $28.34
$13.66 – $19.86
$12.66 – $19.12
$11.10 – $18.01
$10.28 – $16.98
$9.26 – $16.10

*Recreational Vehicle/Motor Homes must contain living and sleeping facilities.
Collateral conditions apply.


Watercraft

What better way to enjoy the California summer sun than with your new watercraft financed at Kern Schools. Whether it’s skiing behind a new boat, jumping waves on your new jet ski or fishing for that largemouth bass, we’ll help you finance your next watercraft memory! By becoming a Kern Schools Member, you’ll have:

  • New and used
  • Competitive low fixed rates
  • Flexible terms and conditions
  • No prepayment penalty
  • Payment protection options

Rates current as of 04/01/2017. All rates, terms and conditions subject to change. Rates and terms will vary based on the credit worthiness of individual applicants.

CONSUMER RATES FOR TITLED VEHICLES Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment per $1000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
NEW: 36 mo.
48 mo.
60 mo.
72 mo.
84 mo.
96 mo.
120 mo.
N/A
N/A
$10,000
$10,000
$15,000
$30,000
$50,000
3.99% – 14.49%
4.99% – 15.49%
4.99% – 15.49%
5.99% – 16.49%
6.99% – 17.49%
7.49% – 17.49%
7.99% – 17.49%
$29.52 – $34.42
$23.02 – $28.08
$18.87 – $24.08
$16.57 – $21.96
$15.09 – $20.72
$13.88 – $19.42
$12.13 – $17.69
USED: 36 mo.
48 mo.
60 mo.
72 mo.
84 mo.
96 mo.
120 mo.
N/A
N/A
$10,000
$10,000
$15,000
$30,000
$50,000
4.49% – 14.99%
5.49% – 15.99%
5.49% – 15.99%
6.49% – 16.99%
7.49% – 17.99%
7.99% – 17.99%
8.49% – 17.99%
$29.74 – $34.66
$23.25 – $28.34
$19.10 – $24.31
$16.81 – $22.24
$15.33 – $21.01
$14.13 – $19.72
$12.39 – $18.01

Fill out the form below, and a member of our team will contact you.

Vehicle Loan Consultation Request Form

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