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Loans & Lines of Credit

Kinecta Signature Series

Kinecta wants to help you live your best life. Sometimes, that means spending beyond what you want to pay for with cash. With a variety of financing options, we can help you find the account that fits your needs – not ours.

Types of Lending Available

Personal Lending1

Choose a Signature Loan with low fixed payments.  Or, try our Signature Line of Credit where you only pay for what you use.

Vehicle Loans2

Get great rates when you finance (or refinance) your new or used car or truck through Kinecta. You can also save when purchase a new motorcycle, RV, boat or travel trailer.

Student Loans3

Whether you are paying for tuition, housing, or other school expenses, a Custom Choice Loan®, powered by Cognition, can help you realize your higher education dreams.

Get your credit limit in a single click!

Curious as to how much credit you could qualify for, but afraid a hard credit pull could negatively impact your credit score4? Fear no more!

Kinecta gives you the ability to find out instantly if you qualify for a personal loan - and the amount of credit you could receive - in one click of The Button.

Other Products & Services

Mortgage Loans6

Whether you’re buying a new home or refinancing your current home, a Kinecta Mortgage Loan Consultant can help provide the right financing option for you.

Auto Buying Service

Find your next new or used with AutoSmart7, a free online service for Kinecta members

  • Shop nationwide inventory
  • Find nearby dealers
  • Compare offers
  • Get pre-approved financing

Payment Assistance

Our Loan Servicing Team is here to help. Call us today if you need to defer a payment, create a workout plan, request payoff statements, or more

Business Lending

In addition to personal financing, Kinecta offers a suite of commercial lending products to help our entrepreneurial members build financially successful businesses. From our MyPro cash-back credit card to SBA5 loans to commercial real estate, we offer rates far below the national average. If you want to increase your profit margins, talk to us.

Let's Connect

Our knowledgeable Member Contact Center team will answer your questions – big or small. If you need a specialist, they’ll put you in touch with one right away. Our goal is your goal: get you answers fast!

888.954.6328  Monday to Friday: 7am - 6pm Pacific, Saturday: 9am - 3pm Pacific
Or, stop by a branch and speak to us in person. (Except Federal Holidays.)

*APR = Annual Percentage Rate is variable and subject to change. This is Kinecta’s most recent published rate.

Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.

Rates shown include a 0.25% discount for enrolling in automatic payments made from a Kinecta account and will discontinue if autopay is terminated.

1Personal Loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. Maximum loan amount is $100,000.00 per qualifying member.

2Vehicle Loan. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors. The value of a new vehicle is determined by MSRP and the value of a used vehicle is determined by Retail Kelley Blue Book.

Student Loans. Before applying for a private student loan, Kinecta Federal Credit Union, Citizens and Cognition Financial recommend comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans.  

Citizens and Cognition Financial are not owned by, or affiliates of, Kinecta Federal Credit Union.

The Custom Choice Loan® is made by Citizens (“Lender”).  All loans are subject to individual approval and adherence to Lender’s underwriting guidelines.  Program restrictions and other terms and conditions apply.  LENDER AND COGNITION FINANCIAL CORPORATION EACH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. TERMS, CONDITIONS AND RATES ARE SUBJECT TO CHANGE AT ANY TIME WITHOUT NOTICE.

In order to provide you with a range of rates you prequalify for, Citizens will perform a soft credit inquiry, as authorized by you. Soft credit inquiries do not affect your credit score. If you prequalify, the rates and loan options offered to you are estimates only. Once you choose your loan options and submit your application, Citizens will perform a hard credit inquiry. Loan approval, options, and final rates depend on the verification of information provided on your application, and information obtained from the hard credit inquiry (and any cosigner’s hard credit inquiry).

Custom Choice Loan® is a service mark used under license. Citizens is a brand name of Citizens Bank, N.A. Member FDIC.

4The Button. In order to provide you with a range of rates you prequalify for, Rate Reset will perform a soft credit inquiry, as authorized by you. Soft credit inquiries do not affect your credit score. If you prequalify, the rates and loan options offered to you are estimates only. Once you choose your loan options and submit your application, Rate Reset may perform a hard credit inquiry.

5SBA. Kinecta is a Small Business Administration (SBA) preferred provider.

6Kinecta mortgage loans. Offered under Nationwide Multistate Licensing System (NMLS) #407870. Equal Housing Lender.

7AutoSmart. AutoSmart is not a service provided by Kinecta Federal Credit Union. Service is administered by Credit Union Direct Lending (CUDL). The CUDL network connects credit unions with dealerships in 49 states including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, North Carolina, Nebraska, Nevada, New Hampshire, New Mexico, New Jersey, New York, North Dakota, Oklahoma, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.