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 5.54% APR* with flexible terms of up to 84 months
Pre-owned car, truck or SUV
Get on the road and in the driver’s seat.
Starting at 6.19% APR* with flexible terms of up to 84 months
Vehicle Lease Buyouts2
Reduce the hassle and keep the car you’re in.
Starting at 6.19% APR* – Flexible terms of up to 84 months.
Recreational vehicles
Boats, RVs, travel trailers
Boats, RVs and travel trailers — starting at 8.09% APR* with flexible terms of up to 180 months†
Motorcycles
Sportbikes, Cruisers, Tourers, Customs, Electric
Motorcycles — starting at 6.24% APR* with flexible terms of up to 72 months††
Find and insure your vehicle.
Looking to purchase your dream car? Kinecta and AutoSmart3 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 insurance4 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.
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.
**Payment example (Used Auto): An 84-month loan at 6.54% fixed APR will have a monthly payment of $14.88 per $1,000 borrowed.
†Payment examples (New and Used Recreational Vehicles): 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.
††Payment examples (New and Used Motorcycles): 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.
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 example: An 84-month loan at 5.94% fixed APR will have a monthly payment of $14.59 per $1,000 borrowed.
2Lease 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.
3AutoSmart. 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.
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.
5Refinance vehicle loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors.