Auto Buying Center
Auto Loans

Vehicle Loans

Your road trip starts here

Whether you're shopping for a new vehicle or refinancing your current one, find the option that helps you save, so you can start planning your next adventure.

Contact our Vehicle Loan Specialists


  • Up to 100% financing on new and used vehicles
  • Flexible finance terms available
  • Financing available for cars, RVs, boats, motorcycles and travel trailers


  • Save money by refinancing your current loan to a lower rate
  • Get extra cash by extending your current loan term

Vehicle Loan Rates

Actual rates are subject to change. Click here for details.

Shopping for your new car

Kinecta has resources that will help you make the right decision when buying.

Shop AutoSMART

Shop our national inventory, find nearby dealers, compare offers and apply for a loan with just a few clicks. 

Get Started

1 Annual Percentage Rate (APR). All loans subject to credit approval. Membership requirements apply. The actual rate you receive is determined by a combination of factors, including credit qualifications, loan amount, collateral, down payment and terms. Rate includes a .25% discount on loans with automatic payment from a Kinecta account; rates will be .25% higher on loans that do not meet this requirement. Rates and terms and conditions are subject to change. The value of new vehicles is determined by MSRP, and the value of used vehicles is determined by Retail Kelley Blue Book.

For your convenience, we provide links to third-party sites. Please keep in mind that these websites may have different privacy policies. You should consult with the privacy disclosures on that site. Third-party sites may provide less security than Kinecta’s site. Please confirm the identity and authenticity of the site. Kinecta does not provide, and is not responsible for, the product, service, or overall website content available at a third-party website.