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 

Call or visit us today to schedule your free, no obligation Debt Checkup and find out how we can reduce your monthly or interest payments by refinancing balances from credit cards and other high interest loans to our Get Out of Debt Loan. The Get Out of Debt Loan is a closed end loan for 36 months up to $10,000. That means if you make the minimum payment for 36 months the debt you consolidated 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 $1,000 loan with a 36-month term at 7.99% would have 35 payments at $31.43 and a final payment of $31.05 resulting in a total interest payment amount of $131.10. 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. With rates starting as low as 9.99% APR', a KCT Whatever Loan is an easy and inexpensive way to pay for your "whatever". 

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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. Minimum loan amount is $1,000. Payment example: a $3,500 loan with a 24-month term at 9.99% would have 23 payments at $162.16 and a final payment of $162.02. Payment may vary from example if electing KCT Protection. Loan amount may change the term limit of the loan. Rates subject to change. All loans subject to approval. 

KCT Promotional Loans

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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 $1,000 loan with an 18-month term at 4.99% would have 17 payments at $57.79 and a final payment of $57.66. Payment may vary from example if electing KCT Protection. Offer valid thru August 31, 2018. Rates subject to change. All loans subject to approval.

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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