Drive off with terms that work for you.
The benefits of a Kinecta auto loan
Our auto loan specialists provide personalized service to guide you through the process. We’re here to help make it as fast and easy as possible.
No application fee
Funds available quickly
Competitive rates
Personalized vehicle loans to fit your needs
New car, truck or SUV1
Drive off in a new vehicle you love.
Starting at 5.94% APR* with flexible terms of up to 84 months
Kinecta members: apply here
Pre-owned car, truck or SUV
Get on the road and in the driver’s seat.
Starting at 6.69% APR* with flexible terms of up to 84 months
Kinecta members: apply here
Other vehicle types
Boats, RVs, travel trailers and motorcycles
Boats, RVs and travel trailers — starting at 8.09% APR* with flexible terms of up to 180 months
Motorcycles — starting at 6.24% APR* with flexible terms of up to 72 months
Kinecta members: apply here
Find and insure your vehicle.
Looking to purchase your dream car? Kinecta and AutoSmart2 are here to help.
Free for Kinecta members, AutoSmart gives you access to a nationwide inventory. It’s easy to find a vehicle or a dealer near you and compare offers.
Make sure you and your family are protected.
We’ll help you find an insurance3 plan that protects you in case of an accident or an emergency. Consult with our knowledgeable insurance specialists to find the coverage that suits your needs.
What happens after you apply?
Step 1
We’ll let you know if you are approved and what the terms of your loan are on the same day.
Step 2
Buy the car knowing you have financing.
Step 3
Kinecta transfers funds to the seller.
Step 4
Manage your loan with online banking or the mobile app.
Kinecta members: apply here
Vehicle purchase frequently asked questions
What do I need before applying for an auto loan?
You will need to input personal information, including your income, address, phone number and Social Security number.
How long does the approval process take?
We offer a same-day approval process.
Can I refinance my car through Kinecta4?
If you currently have an auto loan with a financial institution other than Kinecta, you can refinance with us immediately. If you currently have a Kinecta auto loan, a 6-month waiting period is required.
Can I purchase the vehicle I’m financing through Kinecta?
Yes, once the vehicle is paid off, the title will be yours.
*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.
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, 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.
2AutoSmart. 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, Missouri, Montana, Nebraska, North Carolina, Nebraska, Nevada, New Hampshire, New Mexico, New Jersey, New York, North Dakota, Oklahoma, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
3Insurance products are offered through Kinecta Financial & Insurance Services, LLC., subsidiary of Kinecta Federal Credit Union. California Insurance License #0E24631. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states.
4Refinance vehicle loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors.