Put your plan in motion with a Signature Personal Loan1.
Signature Personal Loan
This fixed-rate loan is ideal for situations such as urgent car repairs or other emergencies. Signature Personal Loans are available in amounts from $1,000 to $100,000, with repayment terms up to 84 months.
Kinecta Personal Loan offers:
- One lump sum at a fixed rate
- Unsecured — no collateral required
- Loan amounts from $1,000 to $100,000
- Terms up to 84 months
Common uses of Signature Personal Loans:
- Emergency situations
- Major life events
- Consolidating higher-interest debt
Signature Personal Line of Credit2
A variable-rate line of credit allows borrowers the freedom to draw funds from a credit line, borrowing only what's needed at a particular time. The balance of the line remains available should a need arise.
Kinecta Personal Line of Credit offers:
- Draw funds as needed at a variable interest rate
- Unsecured — no collateral required
- Credit limits from $1,000 to $100,000
- Easily transfer funds to checking account through Kinecta online banking
Common uses of Signature Personal Lines of Credit:
- Projects with variable costs
- Financing educational expenses
- Covering expenses during interruptions in typical cash flow
Looking for a secured loan option3?
- Borrow against funds in your savings account or your share certificate.
- Installment loans allow for repayment over time.
Why members choose Kinecta
Easy application process
Clear, simple application process helps some borrowers get approved in minutes.
No prepayment penalties
Kinecta personal loans can be paid off early without penalty.
Convenient repayment options
Kinecta offers a variety of repayment options, including automatic payments.
Access to member benefits
Kinecta Federal Credit Union members may be eligible for other services such as financial planning and discounted insurance products.
Related products
Student loans4
Whether you are paying for tuition, housing, or other school expenses, a Custom Choice Loan® could help you realize your higher education dreams.
Vehicle loans
Get great rates when you finance (or refinance) a new or pre-owned car or truck through Kinecta. You can also save when you purchase a new motorcycle, RV, boat or travel trailer.
Personal Loans Frequently Asked Questions
Can I withdraw cash from a personal loan?
Once your loan is funded, the funds are put into an account, which you can withdraw as cash.
How long does it take Kinecta to approve my application?
The process typically takes 24-48 business hours to review an application once you submit all necessary information.
How much can I borrow?
You can apply to borrow from $1,000 to $100,000. Your approved amount depends on standard underwriting factors.
What fees are associated with my personal loan?
Kinecta does not charge any fees for personal loan applications.
*APR= Annual Percentage Rate. These are Kinecta's most recent published rates and are subject to change.
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 shown include a 0.25% discount for enrolling in automatic payments made from a Kinecta account and will discontinue if autopay is terminated. 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 10.74% APR (after automatic payment discount applied) over a term of 12 months is estimated to be $88.26, over a term of 84 months is estimated to be $16.99.
2Signature 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. When enrolled, allows preauthorized transfers to your checking account subject to available credit.
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.
4Student Loans. Before applying for a private student loan, Kinecta Federal Credit Union, Citizens and Monogram recommend comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans.
Citizens and Monogram 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 MONOGRAM EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANYTIME 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.