Eligibility Am I eligible to refinance my auto loan with First Federal Bank of Kansas City? Is my car eligible? Is my existing auto loan eligible? Which U.S. states does First Federal Bank of Kansas City support? Can First Federal Bank of Kansas City make exceptions for unique situations? See all articles › Applying to Refinance Your Auto Loan I’ve found the vehicle I want to buy. Can I apply for a direct auto loan with First Federal Bank of Kansas City? Are First Federal Bank of Kansas City loans available through any car dealerships? How will applying to refinance my loan affect my credit? What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? Can I change my loan application after submitting it? See all articles › Verification and Processing Where can I find my transcript? Can I use my household or spousal income? What documents will I need to provide? What documentation will verify my income? Can I change the term of my loan after I have accepted my loan terms? See all articles › Current Borrowers Can I make my monthly payment into two or more installments? What portion of my payment is interest vs. principal? What are my payment obligations? What happens if I am late on my payment? Can I change my due date? See all articles › Auto Insurance Do I need to contact my insurance company? What if I switch insurers? What happens if I’m in an accident? What if my car gets totaled? What if I need to update information on my title? What if I move? See all articles › About Upstart What is Upstart? How can I contact First Federal Bank of Kansas City? See all articles › Popular questions What do I need to do after my application is approved? Is my car eligible? What portion of my payment is interest vs. principal? I’ve found the vehicle I want to buy. Can I apply for a direct auto loan with First Federal Bank of Kansas City? What is Upstart? What happens if I’m in an accident? What if my car gets totaled?