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Vehicle Loans

We help you get where you want to go.

Vehicle Purchase2

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 used cars, trucks, or SUVs with flexible terms up to 84 months
  • New or used motorcycles with flexible terms up to 72 months
  • Boats, RVs, and travel trailers (Flexible terms up to 180 months)
  • Free service for auto buying
Apply Now (Car / Truck / SUV)
Apply Now (Other Vehicle Types)


Vehicle Refinancing2

Looking to lower your monthly payments or reduce the length of your loan? With our super-competitive refinancing rates, you can improve cash flow quickly and efficiently.

  • Reduce payment amounts and keep current term
  • Reduce total term length and keep current payments
  • Available for cars, trucks, SUVs, motorcycles, RVs, and boats
Apply Now (Car / Truck / SUV)
Apply Now (Other Vehicle Types)


Other Products & Services

Lease Buy-Outs

Love the car you're leasing? 

We can help make it yours.

Kinecta will work with you to determine the outstanding balance on your existing lease. Or, if you already know the amount you need, just give us a call or stop by a branch.

Vehicle Insurance3

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 used auto with AutoSmart4, a free online service for Kinecta members.

  • Shop nationwide inventory
  • Find nearby dealers
  • Compare offers
  • Get pre-approved financing

Need a car? Start here!

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 warrantee and a 7-day return policy.

  • Great auto loan rates at Kinecta
  • Great match for you

Payment Assistance

Our member care team is here to help.

Call us to: 

  • Defer a payment
  • Create a workout plan
  • Request payoff statements, and more


Let's Connect

Our knowledgeable Member Contact Center team will answer your questions – big or small. If you need a specialist, they’ll put you in touch with one right away. Our goal is your goal: get you answers fast!

888.954.6328 Monday to Friday: 5am - 6pm Pacific, Saturday: 6am - 3pm Pacific
Or, stop by a branch and speak to us in person. (Except Federal Holidays.)

*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. 

2Refinance vehicle loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. 

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.

4AutoSmart. 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.