Financial flexibility, on your terms.
You can do some amazing things with a little boost in funds. Whether you need to cover unexpected expenses, or have a big purchase coming up, we have options that can help.
Personal Lending1
Choose a Signature Loan with low fixed payments. Or, try our Signature Line of Credit where you only pay for what you use.
Vehicle Loans2
Get great rates when you finance (or refinance) your new or used car or truck through Kinecta. You can also save when purchase a new motorcycle, RV, boat or travel trailer.
Student Loans3
Whether you are paying for tuition, housing or other school expenses, a Custom Choice Loan®, powered by Cognition, could help you realize your higher education dreams.
Mortgage Loans4
Looking to buy a new home or refinance your current one? A Kinecta Mortgage Loan Consultant can help provide the right financing option for you.
Business Lending
Kinecta offers a suite of business lending products to help our entrepreneurial members build and expand financially successful businesses.
Other Product & Services
Apply Online
Easily check rates and apply for most lending products in Kinecta's online banking or the mobile app, under Open New Account.
Payment Assistance
If you need help with your loan payments, our Loan Servicing team is here to help. We're here to discuss your options to defer a payment, create a workout plan, request payoff statements and more.
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
1Personal Loan / Personal Line of Credit. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum loan amount is $50,000.00 per qualifying member.
2Vehicle Loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. The value of a new vehicle is determined by MSRP and the value of a used vehicle is determined by Retail Kelley Blue Book.
3Student Loans: Before applying for a private student loan, Kinecta Federal Credit Union, DR Bank and Monogram LLC recommend exhausting all financial aid alternatives including grants, scholarships, and federal student loans.
DR Bank and Monogram are not owned by, or affiliates of, Kinecta Federal Credit Union.
The Custom Choice Loan® is made by DR Bank, Member FDIC (“Lender”). All loans are subject to individual approval and adherence to Lender’s underwriting guidelines. Program restrictions and other terms and conditions apply. LENDER AND MONOGRAM EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. TERMS, CONDITIONS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.
Custom Choice Loan® is a service mark used under license.
4Kinecta mortgage loans. NMLS (Nationwide Mortgage Lending Service) ID: 407870. Subject to credit approval.
Rates, loan amounts and terms are based on standard underwriting factors and are subject to change. Income and asset documentation are required. Loans are secured by a lien against the property. Interest rates, points and Annual Percentage Rates (APRs) may differ by product, your credit history, income, property value, occupancy, property type, loan amount and loan purpose. Mortgage loans from Kinecta Federal Credit Union may not be available in all states.