Auto and RV Loans

We put you on the road for less.

Whether you’re thinking about buying a new car, truck, RV or boat, getting pre-approved before you buy puts you in the driver’s seat.  You can negotiate with confidence knowing exactly how much you can afford and that you have the money at hand.

New or used? Good question.
Newer vehicles cost more, but on the other hand, they cost less to maintain and repair. They can also be safer and that’s a huge consideration when you have a family on board.

Your monthly budget is also key.
Unlike most banks and dealers, Kootenay Savings can amortize new car loans for up to 10 years. This can significantly reduce the size of your monthly payments on vehicles up to 1-year-old including light duty trucks.

Looking at a car or truck 2 to 3 years old?
We can amortize that loan up to 8 years, again reducing your monthly payments compared to other lenders. And best of all, there are no penalties for paying out your loan at anytime.

Easy Pre-Approvals

The easiest approvals on four wheels.

Gone are the days when getting a loan meant two or three appointments to fill out forms and sign endless documents.

Today, with electronic documents, eSignatures and our Member Service Centre, you can apply for your loan from anywhere you like and sign the contract online using your computer or mobile device.

RVs and Boats

Longing for the great outdoors?

We have longer terms for RV and boat loans, too. When you buy a new motorhome, trailer, fifth wheel or boat, we can amortize your loan up to 20 years. Amortization up to 15 years are available on models 1 to 2 years plan and up to 12 years for models 3 to 5 years old. Our goal is to make RVing and boating affordable for everyone from snowbirds to young families.


We’ve got you covered.

Our loans are truly worry-free. In the event you can’t meet your payments due to accident, sickness, job loss or death, Kootenay Savings Loan Payment Protection will cover your monthly payments – or pay out your loan completely. Ask us about it.