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! 

​"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)

Apply now

*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 July 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.

Apply now

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.

Apply now

Buy Now, Pay Later with KCT

Same debit card, more flexible payments

• Use your debit card whenever and wherever you shop
• Manage your budget by spreading larger expenses over time
• Review and manage all plans, offers, and payments in one place
• Build your credit score by making responsible and timely payments

Getting Started

• Make purchases with your debit card*
• Click on "Buy Now, Pay Later" from the Dashboard in your KCT Online or Mobile app
• View available Buy Now, Pay Later offers on eligible purchases
• Decide which purchases you would like to split over time
• Select the installment plan that works for you
• See your purchase amount deposited back to your account within 24 hours

Frequently Asked Questions

• Where can I find my Buy Now, Pay Later offers?
  Buy Now, Pay Later offers are found in KCT Digital Banking from the Buy Now, Pay Later tab. From the Mobile App, you can find Buy Now, Pay Later when you click on the Menu icon.

• Why can’t I see any Buy Now, Pay Later offers?
  If you do not see Buy Now, Pay Later offers, this may be because your current account status or your recent debit card purchases are not eligible for Buy Now, Pay Later. If you already have active Buy Now, Pay Later plans, you may not be eligible for additional offers until the active plans are paid back.

• What is an eligible purchase?
  An eligible purchase is a debit card purchase made in the past 60 days that is at least $100 and was not cash or cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits may affect Buy Now, Pay Later eligibility.

• Does Buy Now, Pay Later require a credit check?
  No, Buy Now, Pay Later does not require a credit check.

*Not all purchases will qualify. All offers are subject to approval. Some transaction types do not qualify for Buy Now, Pay Later (BNPL) plans, including ATM withdrawals, money orders, money transfer services, gambling, lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions, etc. Offers are valid on purchases made with your KCT Credit Union debit card. Direct deposit is required. Other exclusions may apply, and offers are subject to change.