Refinance to lower your payment or shorten your term.
Why you should refinance with Kinecta
Whether it’s lower monthly payments or improved loan terms, our auto loan experts are here to help.
No application fee
Competitive rates
Mulitiple loan options
Reasons why members refinance with us
Lower monthly payments.
If you are looking to free up some cash each month, you may consider refinancing to extend your loan term.
Reduce interest paid over time.
By shortening your loan term to pay off your loan quicker, you will pay less in interest.
What we offer
Cars, trucks or SUVs
The fast and easy way to favorable re-financing1
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 8.49% APR* with flexible terms of up to 180 months
Motorcycles — starting at 6.74% APR* with flexible terms of up to 72 months
Kinecta members: apply here
Our vehicle loan experts are here to help.
Our knowledgeable Member Contact Center team will answer your questions — big or small.
Make sure you and your family are protected.
We’ll help you find an insurance2 plan that protects you in case of an accident or emergency. Consult with our insurance specialists to find the coverage that suits your needs.
What happens after you apply?
Step 1
We’ll let you know same-day if you are approved, along with your new rate and monthly payment.
Step 2
Send us your registration, mileage and VIN to finalize the loan.
Step 3
Manage your loan with online banking or the mobile app.
Kinecta members: apply here
Vehicle refinancing frequently asked questions
What do I need before applying for refinancing?
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.
How soon can I refinance a vehicle after purchase?
If your existing loan is from another bank or credit union, you can refinance immediately upon approval. If Kinecta financed your prior loan, you will have to wait six months to refinance.
How does the title process work when refinancing?
Your previous lending institution will transfer the title to Kinecta.
*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.
Purchase vehicle loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors.
1Refinance vehicle loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors.
2Insurance 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.