The right vehicle loan will keep you moving forward.
Vehicle Purchase1
Compare Kinecta vehicle loan rates with a bank and see how much you’ll save. Whether you’re buying a new or pre-owned vehicle, we make it easy and affordable. We even do private-party vehicle loans in addition to dealer financing.
- New or pre-owned cars, trucks or SUVs with flexible terms of up to 84 months
- New or pre-owned motorcycles with flexible terms of up to 72 months
- Boats, RVs and travel trailers (flexible terms of up to 180 months)
- Free service for auto buying
New auto loans — as low as 5.54% APR*
Pre-owned auto loans — as low as 6.19% APR*
Vehicle Refinancing2
Are you looking to lower your monthly payments or reduce the length of your loan? With our competitive refinancing rates, you can improve cash flow quickly and efficiently.
- Reduce payment amounts and keep the current term
- Reduce total term and keep current payments
- Available for cars, trucks, SUVs, motorcycles, RVs and boats
Pre-owned auto loans — as low as 6.19% APR*
Vehicle Lease Buyouts3
Love the car you’re leasing? We can help make it yours. Kinecta offers affordable lease buyout financing.
- Up to 135% financing – including tax, license, GAP and Mechanical Breakdown Protection
- Flexible payment terms to fit your budget – Up to 84-month terms available
- Enjoy no payments for up to 90 days†
Other Products & Services
Vehicle Insurance4
Accidents happen, and the last thing on your mind should be paying for damages — to your vehicle or theirs. Make sure you’re covered for weather damage, too.
AutoSmart Buying Service
Find your next new or pre-owned vehicle with AutoSmart5 — a free online service for Kinecta members.
- Shop nationwide inventory
- Find nearby dealers
- Compare offers
- Get preapproved financing
Need a car? Start here!6
Our partnership with Enterprise Car Sales provides you with access to a huge selection of certified pre-owned vehicles. They come with a 12-month warranty and a 7-day return policy.
- Competitive auto loan rates at Kinecta
- Perfect fit for your needs
*APR = Annual Percentage Rate is variable and subject to change. This is Kinecta’s most recent published rate. Rates shown include a 0.25% discount for enrolling in automatic payments made from a Kinecta account and will discontinue if autopay is terminated.
†Qualified borrowers may elect to defer the first payment due date for up to 90 days from loan funding date, subject to credit approval; interest will accrue during the 90-day payment deferral period.
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
Vehicle type. Includes cars, SUVs, light/non-commercial trucks, non-commercial vans, motorcycles (street legal only), recreational vehicles, travel trailers, and personal watercraft. Vehicle qualification is subject to the Terms and Conditions of Kinecta.
Vehicle value. The value of a new vehicle is determined by MSRP and the value of a used vehicle is determined by Retail Kelley Blue Book.
1Purchase vehicle loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Payment examples: An 84-month loan at 5.94% fixed APR will have a monthly payment of $14.59 per $1,000 borrowed, an 84-month loan at 6.54% fixed APR will have a monthly payment of $14.88 per $1,000 borrowed, a 72-month loan at 6.74% fixed APR will have a monthly payment of $16.93 per $1,000 borrowed, a 72-month loan at 7.24% fixed APR will have a monthly payment of $17.17 per $1,000 borrowed, a 180-month loan at 10.49% fixed APR will have a monthly payment of $11.06 per $1,000 borrowed, a 180-month loan at 10.74% fixed APR will have a monthly payment of $11.21 per $1,000 borrowed.
2Refinance vehicle loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Payment example: A 72-month loan at 6.19% fixed APR will have a monthly payment of $16.67 per $1,000 borrowed.
3Lease buyout vehicle loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Vehicle must be titled and registered in the member's state of residency. Hawaii and Alaska are excluded states. If outside of California, purchase contract must be obtained from dealership instead of lessor. Lease buyout from Ford Motor Credit/Lincoln Financial, Nissan Motor Acceptance Company/Infiniti Financial Services are excluded. Payment example: An 84-month loan at 6.54% fixed APR will have a monthly payment of $14.88 per $1,000 borrowed.
4Insurance products offered through InsureOne Insurance Services America, LLC dba Kinecta Insurance Services, (CA Lic #0M04446) Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities. Insurance products not available in all states. Actual policy premium may vary based on driving records, garaging address, vehicle type, insurance coverage selected and other underwriting factors. Other rates, service fees, restrictions and charges may apply.
5AutoSmart. AutoSmart is not a service provided by Kinecta Federal Credit Union. Service is administered by Credit Union Direct Lending (CUDL). The CUDL network connects credit unions with dealerships in 49 states including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
6Enterprise Car Sales. Enterprise Car Sales is not a service provided by Kinecta Federal Credit Union.