We are currently experiencing high call volume. We apologize for any inconvenience.

Kirtland FCU branches and the Member Contact Center will be closed Monday, June 20 in observance of Juneteenth.

Refinance and Save Today!
Refinancing is easy. We handle everything, including your loan payoff, so you can start saving...fast!
Apply Now

Looking to save on your monthly auto loan payment?

Our affordable auto refinance program enables you to keep your current vehicle with loan terms more suitable to your current budget.

90 days no payment**

Competitive Low Rates

Extend Your Loan Term

No Pre-Payment Penalties

Multiple repayment Methods

No application or Origination Fees

Is Refinancing Right For You?

Refinancing is an excellent option for people looking to regain control of their finances. Should you consider refinancing?

  • Are your monthly auto payments too high?
  • Have you improved your credit score?
  • Are your term lengths no longer fitting your lifestyle?

If you said Yes to any of these questions, we're here to help you get that Refi Feeling!

Calculate Your New Payment

With rates as low as 3.29% APR* or terms up to 84 months, an auto loan with Kirtland FCU just make sense. But seeing is believing! Use our handy loan calculator to see where a new car loan would fit into your budget.

Once you’ve generated the estimate, click Save or Apply Now to send us your information. A member representative with Kirtland FCU will follow up to answer any questions or get your application started.

How do I Apply for an Auto Refinance Loan?

Three easy ways to apply.


Start your application online when it works for you—24 hours a day, 7 days a week.


Give us a call, and a member service representative will help you get started.

CALL 1-800-880-5328


Stop by any of our convenient branches to open your account.

Membership eligibility required. *APR=annual percentage rate. Rates effective the first of each month and are subject to change at any time without notice. Actual rate and loan are dependent on age of vehicle, type of loan, credit worthiness, and other factors. Any generated estimate using this calculator does not constitute an agreement or guarantee of any rate or loan amount.
**Loans currently financed at Kirtland FCU are not eligible for the 90 days to first payment.

9-month certificate

Build your savings securely with as little as $500. Limited Time Offer.

Kirtland FCU will be performing system maintenance on Saturday, April 23 & Sunday, April 24, between 9:00pm–7:00am MDT.

Online, Mobile, and Telephone Banking will be intermittently unavailable during this period. Click here for complete details.