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Kinecta Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 25 November 2023
Fact checked

Kinecta Federal Credit Union auto loans overview

Kinecta Federal Credit Union logo

First formed in 1940, Kinecta Federal Credit Union now has 29 branch locations across California, New York, New Jersey, and Florida. The credit union offers a wide range of vehicle financing choices with low interest rates and flexible terms. Kinecta members can purchase and refinance new and used cars, trucks, SUVs, recreational vehicles, motorcycles, and more.

Want to see what a Kinecta auto loan will cost? Try the Kinecta Federal Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Kinecta Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 5.74% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Discounted rates for automatic payments.

KINECTA FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

You can secure new and used cars, trucks, and SUVs with terms extending up to 84 months. For new auto loans, rates are as low as 5.74% APR. Then, used auto loans have rates starting at 6.44% APR.

Boat, RV, and travel trailer loans

Kinecta Credit Union also offers flexible loans for pre-owned and new boats, recreational vehicles, and travel trailers. New models have rates starting at 7.34% APR, while used models begin at 7.74% APR. Plus, you can make payments for as long as 180 months.

Motorcycle loans

If you’re looking to finance your two-wheel ride, you also have options. Loan rates can be as low as 5.49% APR for new motorcycles and 5.99% APR for used models. Then, payment terms can be up to 72 months.

Kinecta Federal Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Xceed Financial Credit Union

Xceed Financial Credit Union auto loan

Xceed Financial Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Xceed Financial Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Kinecta auto loan

Eligibility criteria

Kinecta Credit Union doesn’t indicate the criteria for vehicle financing, but you normally need to be:

  • A Kinecta Federal Credit Union member
  • 18 years old or older
  • A legal resident
  • Employed or have a dependable source of income

Check your credit score before applying for a loan, too. Note that a good credit standing can help you secure the credit union’s best rates and terms. This way, you can have lower monthly payments and save more over the life of your loan.

How to join Kinecta Federal Credit Union

You can be a Kinecta member if you:

  • Have a family or household member who is a Kinecta member
  • Have worked at one of Kinecta’s Select Employer Group organizations
  • Live, work, or attend school in select ZIP codes
  • Join the Innovision Society during the application process

What you’ll need to have ready

Personal details

When you apply for auto financing with Kinecta Federal Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Kinecta with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

If you’re refinancing your vehicle, you may need to prepare more details. For one, Kinecta may ask about your vehicle’s year, make, model, and vehicle identification number (VIN). So, coming prepared can speed up your application.

Ways to apply for a Kinecta Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 888-954-6328

Additional Meriwest Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but loans may take a day or more to get approved based on your application.
  • Rate discounts: 0.25% discount on rates for enrolling in automatic payments from a Kinecta account.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Payment assistance available.
  • Ways to repay: Kinecta direct online banking, over the phone, by mail, and in person.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Flexible loan terms.
  • 0.25% discount for automatic payments.
  • Free auto-buying services.
  • Easy online application.
  • Private-party purchases and dealer financing allowed.
  • Purchase, refinance, and lease buyout available.
  • Optional vehicle insurance offered.

Cons

  • Limited to members.
  • Undisclosed loan fees.
  • Unspecified minimum and maximum loan amounts.

FREQUENTLY ASKED QUESTIONS

What is the phone number for the Kinecta Federal Credit Union auto loan?

You can reach the Member Contact Center at 888-954-6328 for car loans.

How much interest does Kinecta Credit Union charge on car loans?

Rates are as low as 5.74% APR for new auto loans and 6.44% APR for used auto loans. Remember though that your annual percentage rate will depend on multiple factors, like your credit, loan amount, term, vehicle, and down payment.

What is the maximum length of a Kinecta vehicle loan?

You can finance your car loan for up to 84 months.

Are there discounts available on Kinecta Credit Union auto loans?

You may get a 0.25% APR discount when you enroll in automatic payments from your Kinecta account.

Can I apply for a Kinecta Federal Credit Union car loan online?

Yes. You can conveniently apply for loans online.

Does Kinecta Credit Union refinance vehicle loans?

Yes. You can refinance existing loans to lower your rates and monthly payments or adjust your loan term.

Will applying for an auto loan with Kinecta affect my credit score?

Applying for a loan will require a hard credit check, which will appear on your credit report. This will then lower your score for a short period. But to build your credit, pay your loan consistently.

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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