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 

auto loan application checklist

  1. Complete the “Credit Application”, sign and date (Download below)
  2. Complete the “Borrowers Blanket Authorization” form, sign and date (Download below)
  3. Include copies of 2 consecutive, recent pay stubs for each applicant
  4. Include the previous year’s W-2’s, if the pay stubs cover less than 6 months of employment or there has been a change in employment within the last 2 years
  5. Self-employed persons and applicants otherwise relying on a significant amount of business income (such as commissioned salespersons) must furnish complete copies of the previous 2 tax returns
  6. Include the name, address and loan number of the existing lienholder, if that lienholder will be paid off with the proceeds of this loan
  7. Include a copy of the purchase contract, if the vehicle is a new purchase, or a copy of the existing title if the vehicle is pre-owned. Capitol Federal may require an inspection of pre-owned vehicles
  8. Include the name, address and telephone number of your insurance agent

Download the Loan Application, 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 and light truck rates

Rates and fees are subject to change without notice. Rates are effective as of April 18, 2016.


Vehicle Model Loan Amounts Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)
New Vehicles 
New Models $1,500 to $40,000 48 months 90% 4.750% 4.852%
New Models $1,500 to $40,000 60 months 90% 4.990% 5.073%
New Models $1,500 to $40,000 72 months 90% 5.250% 5.320%
Previously Owned
2016 through 2013 $1,500 to $35,000 48 months 100% 4.990% 5.107%
2016 through 2013 $1,500 to $35,000 60 months 100% 5.500% 5.595%
2012 through 2009 $1,500 to $25,000 48 months 100% 5.990% 6.155%
2008 through 2007 $1,500 to $20,000 36 months 100% 6.500% 6.771%
Download Application

new automobile and light truck 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 the maximum loan amount for the maximum term. Using the example of a $40,000, 80% LTV, 72 monthly payments of $669 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 and light truck disclaimer

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

Interest rates for vehicle loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes the maximum loan amount for the maximum term. Using the example of a 2008 model year and a loan amount of $30,000, 60 monthly payments of $594 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.


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Save time and let us auto-deduct your loan payments with pre-authorized transfers.  

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Capitol Agency Insurance

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Capitol Federal® is an active member in the community. Find a local community event to enjoy with your family and friends. It’s easy to search by city, date or event type.

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