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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-$25,000, 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, special life events, and more.
Apply Now

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

Student Loans

Whether you are paying for tuition, housing, or other school expenses, a Custom Choice Loan®, powered by Cognition, can help you realize your higher education dreams.

LEARN MORE

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.

Call 888.954.6328

Signature Personal Line of Credit2

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
Apply Now

 

Secured Lending Options

Installment Loans3

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 Loans4

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.

Apply Now

 

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.

1Signature Personal Loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum loan amount is $25,000.00. Monthly payments at 7.49% APR over a 60-month term are estimated at $20.03 per $1,000 as of today's date.

2Signature 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.

3Secured 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.

4Secured 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.

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.

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.