Prompt personal loans with a unique personality
Get swift approval, flexible payment options, and up to $100,000.
Let’s get you closer to
your goals
Access as you go for ongoing needs
One lump sum for unexpected needs
- Big and small loans available - from $1,000 to $100,000
- Terms up to 84 months
- Unsecured loans, which don’t require collateral, are available
- Secured loans are also an option
Contact Center:
800.854.9846
Get approved today
Bank | Borrow | Insure | Invest
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
Signature Personal Loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum loan amount is $100,000. Minimum repayment term is 12 months, maximum repayment term is 84 months. Monthly payment per $1,000 borrowed at 9.74% APR (after automatic payment discount applied) over a term of 12 months is estimated to be $87.80, over a term of 84 months is estimated to be $16.47.
Signature Personal Line of Credit. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum line amount is $100,000. Variable APR based on The Wall Street Journal Prime Rate (the “Index”) plus a margin. This variable rate may vary with changes in the Prime Rate.
Minimum Periodic Payment & Fees. Minimum periodic payment for lines of credit is 4% of the outstanding loan balance as of the date the billing cycle closes; however, it will not be less than $30.00 or the balance due, whichever is less. If the minimum periodic payment is more than 15 days late, a late charge of $20.00 will be assessed.
Overdraft automatic transfers. If enrolled, the account will be subject to the interest rate on the loan.
Secured Installment Loan. Installment periods vary. Rates are subject to change. The amount of the loan is limited to the amount of funds held in your share savings account or share certificate. If you default on your installment loan, the funds from your savings account or certificate will be used to repay the outstanding balance on your account, and you may be subject to an early withdrawal penalty on your certificate.
Secured One-Time Pay Loan. Payment is due in one lump sum the month following loan funding. Rates are subject to change. The amount of the loan is limited to the amount of funds held in your share savings account or share certificate. If you default on your one-time pay loan, the funds from your savings account or certificate will be used to repay the outstanding balance on your account, and you may be subject to an early withdrawal penalty on your certificate.
Contact Center: 800.854.9846
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Why members choose Kinecta for personal loans
Lower Interest Rates
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