Other Loans

Get Out of Debt (GOOD) Loan & Debt Checkup

Stabilize your financial future with KCT's Get Out of Debt Loan and Debt Checkup 

Rates as low as 7.99% APR*
Borrow up to $10,000 for 36 months

Have you ever sat down to look at your finances and realize how high of an interest you're paying on your credit cards, or even just wondering how you were able to rack up so much debt? Call us or stop in today to schedule your no obligation Debt Checkup to learn more about how we can help. Our representatives will be able to help you see how a Get Out Of Debt Loan might be the option you need to consolidate debt or even give you lower interest rates. The Get Out Of Debt Loan is a closed end loan, which means for 36 months, you can borrow up to $10,000 and by making those minimum payments, your debt will be gone! 

‚Äč"I would like to thank Joe Menolascino and Roberto Morales for helping me save money. They helped me consolidate my debt. They spent time explaining to me how to help me manage my finances and look at my future. Their generosity and kindness through this whole process never made me feel bad for getting into debt. Instead, they were on my side as a "team" and wanted to walk me through it. I am grateful for their support in a difficult time in my life. Thank you Joe and Roberto for going above and beyond. This is why I bank at KCT and not a local bank. They care more about their customers as people. We are not just another number in their book. Great job, KCT!" - Rebecca (Member since 2015)

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*Annual Percentage Rate (APR). Advertised rate is based on excellent credit history. Membership and other qualifications apply. The interest rate you receive will be determined by your creditworthiness. Payment example: a $10,000 loan with a 36-month term at 7.99% wcould have 35 payments at $314.29 and a final payment of $313.96. Payment may vary from example if electing KCT Protection. Rates subject to change. All loans subject to approval.

Whatever (Unsecured) Loans

A KCT Whatever Loan is good for…. whatever! Car need repairs or planning a home remodel? The Whatever Loan is perfect for all of life's emergencies or whatever you want. It only takes a minute to apply.

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KCT Promotional Loans

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Rates as low as 5.74% APR1

Receive .25% when you setup or have an existing direct deposit with auto pay

A KCT Holiday Loan can help you prepare for the upcoming holidays, whether it's used to finance your holidays, as an emergency fund or even a way to help with bills and debt while the holidays arrive. The holiday season can cost you considerably less when you use KCT's Holiday Loan versus paying with a credit card. Making payments on a credit card can cost you nearly $300! 

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1Annual Percentage Rate (APR). Advertised rate is based on excellent credit history. Membership and other qualifications apply. The interest rate you receive will be determined by your creditworthiness. Payment example: a $1,000 loan with an 18-month term at 5.74% APR would have 17 payments at $58.23 and a final payment of $58.23. Payment may vary from example if electing KCT Protection. Rates subject to change. All loans subject to approval.
2Credit Card average rate according to credit cards.com

Share Secured Loan

A KCT Share Secured Loan is designed for those just starting out, or trying to rebuild their credit. By using your share account to secure your loan not only will you save money with a lower interest rate vs. an unsecured loan, but you will also help to build a strong credit history. Applying only takes a minute. When applying, please select "100% Share Secured" under loan type.

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Citizenship Loans

Are you, or someone you know, in the process of becoming a United States citizen? First off, congratulations! Secondly, how will the fees required to become a citizen be paid? With a KCT Citizenship loan, aspiring citizens can potentially borrow up to $3,500 to help cover those large fees.

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