Credit union · NCUA insured
Kinecta Auto Loan Rates
Kinecta auto loans start at 7.55% APR for a new vehicle and 7.30% for a used one. Rates checked November 7, 2026.
How Kinecta’s auto loan rates compare
New vehicle, lowest advertised APR. The lowest rate among banks and credit unions with branches in each area.
This credit union’s lowest
Kinecta
7.55%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
Auto Loans
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Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Membership required. Variable APR subject to credit approval. Includes cars, trucks, and SUVs. New vehicle value determined by MSRP; used vehicle value determined by Retail Kelley Blue Book.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.55% | Rates shown include a 0.25% discount for enrolling in automatic payments made from a Kinecta account and will discontinue if autopay is terminated. Terms up to 84 months. |
| up to 84 months | 7.30% | Pre-owned auto loan. Rates shown include a 0.25% discount for enrolling in automatic payments made from a Kinecta account and will discontinue if autopay is terminated. Terms up to 84 months. |
Sources (3)
All captured Nov 7, 2026
Motorcycle Loan
Covers sportbikes, cruisers, tourers, customs, and electric street-legal motorcycles. Subject to credit approval and membership requirements.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.24% | Purchase loan for new or pre-owned motorcycles. Rates shown include a 0.25% discount for autopay from a Kinecta account. Terms up to 72 months. |
Sources (3)
All captured Nov 7, 2026
Vehicle Lease Buyouts
Up to 135% financing including tax, license, GAP and Mechanical Breakdown Protection. Subject to credit approval. Vehicle must be titled and registered in member's state of residency (excludes Hawaii and Alaska; outside CA contract must be from dealership; excludes Ford Motor Credit/Lincoln Financial, Nissan Motor Acceptance/Infiniti Financial Services).
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.30% | Rates shown include a 0.25% autopay discount from a Kinecta account. Terms up to 84 months. No payments for up to 90 days available for qualified borrowers (interest accrues). |
Vehicle Refinancing
Membership required. Subject to credit approval. Refinance an auto loan from another financial institution.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 7.30% | Pre-owned auto refinance. Rates shown include a 0.25% discount for automatic payments from a Kinecta account and discontinue if autopay is terminated. Terms up to 84 months. |
Kinecta auto loan score
61
Auto loan score
Higher than 3% of U.S. banks and credit unions
- New vehicleNew7.55%
- Used vehicleUsed7.30%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Who can join Kinecta
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.