Vehicle Loans
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.
Personal Loans & Lines
Peace of mind for unexpected expenses.
Today's Rates
Signature Personal Loans1
The low fixed rate of a Signature Personal Loan is designed to give you the flexibility to manage your financial needs at your own pace. Loan amounts are available from $1,000-$100,000, with terms up to 84 months, to:
- Unsecured - no collateral required
- Cover medical and dental expenses
- Pay down high-interest debt
- Finance education costs, dream vacations, special life events, and more.
Get your credit limit in a single click!
Curious as to how much credit you could qualify for, but afraid a hard credit pull could negatively impact your credit score2? Fear no more!
Kinecta gives you the ability to find out instantly if you qualify for a personal loan and the amount of credit you could receive - in one click of The Button.
Signature Personal Line of Credit4
A variable rate Signature Personal Line of Credit gives you the freedom to borrow against your line when you need extra cash and can provide protection against credit and debit card overdrafts.
- Unsecured - no collateral required
- No annual fee
- Credit limits from $1,000 - $100,000
- Easily transfer funds to checking through Kinecta online banking
Secured Lending Options
Let's Connect
Our knowledgeable Member Contact Center team will answer your questions – big or small. If you need a specialist, they’ll put you in touch with one right away. Our goal is your goal: get you answers fast!
888.954.6328 Monday to Friday: 7am - 6pm Pacific, Saturday: 9am - 3pm Pacific
Or, stop by a branch and speak to us in person. (Except Federal Holidays.)
*APR = Annual Percentage Rate is variable and subject to change. This is Kinecta’s most recent published rate.
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
1Signature Personal Loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum loan amount is $100,000.00. Monthly payments at 7.49% APR (after automatic payment discount applied) over a 84-month term are estimated at $20.03 per $1,000 as of today's date.
2The Button. In order to provide you with a range of rates you prequalify for, Rate Reset will perform a soft credit inquiry, as authorized by you. Soft credit inquiries do not affect your credit score. If you prequalify, the rates and loan options offered to you are estimates only. Once you choose your loan options and submit your application, Rate Reset may perform a hard credit inquiry.
3Student Loans. Before applying for a private student loan, Kinecta Federal Credit Union, Citizens and Cognition Financial recommend comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans.
Citizens and Cognition Financial are not owned by, or affiliates of, Kinecta Federal Credit Union.
The Custom Choice Loan® is made by Citizens (“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 COGNITION FINANCIAL CORPORATION 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.
In order to provide you with a range of rates you prequalify for, Citizens will perform a soft credit inquiry, as authorized by you. Soft credit inquiries do not affect your credit score. If you prequalify, the rates and loan options offered to you are estimates only. Once you choose your loan options and submit your application, Citizens will perform a hard credit inquiry. Loan approval, options, and final rates depend on the verification of information provided on your application, and information obtained from the hard credit inquiry (and any cosigner’s hard credit inquiry).
Custom Choice Loan® is a service mark used under license. Citizens is a brand name of Citizens Bank, N.A. Member FDIC.
4Signature Personal Line of Credit. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum line amount is $100,000.00. 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.
5Secured 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.
6Secured 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.