Kinecta Federal Credit Union
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Private Student Loans
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Student Loans

Kinecta Private Student loans are available exclusively to Kinecta members.

Not a member?  Not a problem.  Here's how to apply:

  1. Apply for your student loan by clicking the Apply button above. 
  2. Once completed, click here to submit your Kinecta Membership Application. 

Remember, you must become a member before any funds may be disbursed. 

Click above to start your application for Kinecta membership. We will hold your application on file until you accept an approved Kinecta Student Loan offer.  Prior to disbursement of your loan, we will open your membership at no cost to you, deposit $5.00 into your savings account as the minimum deposit, and mail you your membership ID and account disclosures.

Already started your loan application? Click here to login 


Borrower Benefits

  • Competitive rates for students and cosigners with good credit.
  • Customized loan options to fit your situation:
      • Repayment plans that feature fully deferred payments while in school. No monthly payments required.
      • Other Repayment plan options available require that some payments start while in school. Students who start payments while in school save money on the overall cost of the loan and start to build their credit history right away. 
  • Repayment terms include 5 years, 10 years and 15 years
  • Our easy online application can be completed in as little as 15 minutes:
    • eSign your loan, minimize your paperwork.   
  • Benefits for borrowers
    • A rate reduction for choosing automatic payments (ACH).
    • Graduation reward reduction in the principal.
    • Rate reduction for on time payments.
    • Co-signer release available.  
  • Adding a creditworthy cosigner may help you get a better rate.
To determine which of these repayment options best meets your needs, APPLY NOW.

Repayment Options

Kinecta Private Student loan options include fully deferred plans as well as other deferred repayment plans that feature lower initial payments and afford students with an opportunity to focus on academic studies while in school.

Starting payments while in school is an important step to building your credit history and it helps reduce the overall cost of a private student loan.  Based on the credit review, you may qualify for up to 3 repayment plans.  It’s important to keep up with your monthly payments and make sure you evaluate the estimates we provide so you can choose the right plan for your situation.

Keep in mind that the overall cost of your loan will be lower if you choose the Immediate Repayment plan and if you choose a shorter repayment term.  The Immediate Repayment plan also qualifies you for additional borrower benefits that can reduce the cost of your loan over time.