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Personal Loans & Lines

Peace of mind for unexpected expenses.

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-$50,000, with terms up to 60 months, to:

  • Unsecured - no collateral required
  • Cover medical and dental expenses
  • Pay down high-interest debt
  • Finance education costs
  • Dream vacations, and more.
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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.

Vehicle Loans

Private Student Loans

Enjoy competitive rates and flexible repayment plans, including fully deferred payments while in school. There’s even a reduction in the loan principal as a graduation reward!

Student Loans

Emergency Loans

When a natural disaster strikes, Kinecta offers short term credit solutions to make life a little easier. If you’ve been a member for more than 90 days, we are here to help.

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Signature Personal Line of Credit5

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 - $25,000
  • Easily transfer funds to checking through Kinecta online banking
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Secured Lending Options

Installment Loans2

Sometimes you just need a little flexibility. Secured by either your Kinecta savings account or a certificate, you can pay us back over time.

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One-Time Pay Loans3

When you are short of funds one month, pay us back in full the next. This short-term loan, secured by a certificate, can be funded quickly and easily.

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Let's Talk

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.

Rates shown include a 0.25% discount for enrolling in automatic payments made from a Kinecta account and will discontinue if autopay is terminated

1Signature Personal Loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum loan amount is $50,000.00. Monthly payments at 7.49% APR over a 60-month term are estimated at $20.03 per $1,000 as of <<date>>.

2Secured 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.

3Secured 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.

4Home equity lines of credit. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change. 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. The maximum APR that can apply is 8.00%. The minimum credit limit and loan amount is $20,000 and maximum is $500,000 with a 10-year draw period followed by a 20-year repayment period. Offered under Nationwide Multistate Licensing System (NMLS) #407870. Equal Housing Lender.

5Signature Personal Line of Credit. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum line amount is $25,000.00. 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, a $2 fee will be assessed for automatic transfers to your checking account to cover overdrafts, plus the interest paid on the loan.