Car Loan

Car Loan

when choosing a better car, choose a better loan

Let CapFed® help you get the best deal on your next car purchase by securing your auto financing before you start shopping. A lot of time and research can go into selecting a car to purchase, and you’ll be ready to get the best deal, whether you’re buying a new or used vehicle, refinancing or purchasing a lease buyout. 

  • Quick loan decisions
  • Competitive rates
  • Opportunity to save 0.25% with automatic payment from a CapFed savings or checking account 
Download the Consumer Loan Application Packet, complete and deliver or mail to any Capitol Federal® branch location. Or, fax your completed application to 785-270-6024. Loan information is subject to change. Certain restrictions apply.


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automobile, light truck and Motorcycle rates

Rates and fees are subject to change without notice. Rates are effective as of September 17, 2021.


Vehicle Model Minimum Loan Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)
New Vehicles 
New Models $1,500 48 months 100% 3.500% 3.589%
New Models $1,500 60 months 100% 4.000% 4.073%
New Models $1,500 72 months 100% 4.750% 4.811%
Previously Owned
4 Recent Model Years $1,500 48 months 100% 3.500% 3.628%
4 Recent Model Years $1,500 60 months 100% 4.000% 4.104%
8 Recent Model Years $1,500 48 months 100% 4.500% 4.629%
9 or Older Recent Model Years $1,500 36 months 100% 4.750% 4.919%

new automobile, light truck and Motorcycle disclaimer

The Maximum Loan-to-Value (LTV) is calculated using the purchase price of the vehicle, before any trade-in or other down payment. Interest rates for vehicle loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes a $50,000 loan amount for the maximum term.  Using the example of a $50,000,  72 monthly payments of $801 would be required.

The interest rate and corresponding APR may be reduced by 0.25 percent with preauthorized payment from a Capitol Federal® checking or savings account.

Certain restrictions apply. Borrower is responsible for closing costs, which average approximately $85. These costs are added to the loan amount and are not required to be paid out-of-pocket.

previously owned automobile, light truck and motorcycle disclaimer

The Maximum Loan-to-Value (LTV) is calculated using the NADA retail value of the vehicle.  

Interest rates for vehicle loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes a $35,000 loan amount for the maximum term. Using the example of a $35,000 loan amount on a vehicle within the four most recent model years, 48 monthly payments of $784 would be required.

The interest rate and corresponding APR may be reduced by 0.25 percent with preauthorized payment from a Capitol Federal® checking or savings account.

Certain restrictions apply. Borrower is responsible for closing costs, which average approximately $85. These costs are added to the loan amount and are not required to be paid out-of-pocket.