Other Loans

Get Out of Debt (GOOD) Loan

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

Rates at 9.49% APR* 
Borrow up to $10,000 for 48 months

**Rate includes discount, see details below

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 48 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 KCT 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 KCT 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, discount and a 48-month term. Membership and other qualifications apply. The interest rate you receive will be determined by your creditworthiness. Maximum term is 48 months, with a maximum amount of $10,000. Payment example: a $10,000 loan with a 48-month term at 9.49% APR would have 48 payments of approximately $251.87, resulting in approximately $2,089.76 in finance (interest) charges. Payment may vary from example if electing KCT Protection. Rates subject to change. All loans subject to approval.

**Receive a 0.25% discount on an approved Get Out of Debt Loan when you setup or have an existing automatic deposit into your KCT Checking account of at least $500.00 per month with automatic loan payment. If at anytime the automatic deposits discontinue in the duration of the GOOD Loan term, the discounted rate will no longer apply and the rate will adjust accordingly. Offer valid thru May 31st, 2024. Offer subject to change.


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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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.

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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Call 847.741.3344 to speak to an MSR today!