Refinance to save money or time on your auto loan.
Benefits of Refinancing 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
Multiple loan options
Two Reasons to Refinance
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.
Loans to Fit Your Needs
Cars, Trucks or SUVs
Refinance your current loan.1
Starting at 6.19% APR* with flexible terms of up to 84 months
Recreational Vehicles
Boats, RVs and Travel Trailers
Starting at 8.49% APR* with flexible terms of up to 180 months
Motorcycles
Sportbikes, Cruisers, Tourers, Customs and Electric
Starting at 6.74% APR* with flexible terms of up to 72 months
Auto Refinance Loan Calculator
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.
Consult with our specialists to find insurance2 coverage that protects you in case of an accident or emergency.
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?
Our approvals usually occur on the same day. In some cases, we'll contact you for more information.
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, please contact us for options that are available to you.
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 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.