To refinance your auto loan with First Federal Bank of Kansas City, your car must be no more than 10 years old and have no more than 140,000 miles. It may not be registered as commercial or be used for commercial purposes. It must also be registered in an eligible state. 

You must not have any second liens and must be in possession of the vehicle. First Federal Bank of Kansas City does not refinance loans on vehicles that are stolen or have salvage titles. 

If you have a co-owner, the co-owner must consent to your application.