Co-Borrower Benefits
If you add a co-signer with a strong credit history, you may qualify for lower rates.
Our Private Student Loans are exclusively available to Kinecta members. As a not-for-profit, we reinvest our earnings to offer you lower rates and better terms. With flexible payment plans and a graduation reward, Kinecta gives you perks that are hard to find anywhere else.
Our easy application can be completed in 15 minutes, so why wait?
But it’s not underwater basket weaving, either. It’s important to realistically evaluate what you can afford. Making on-time payments could decrease your rates. However, late payments can hurt your credit score which impacts everything from your credit card rates to what you pay for your first mortgage.
The shorter your timeframe, the less you will pay in interest. But you may want to consider longer terms and lower monthly payments – choose the option that fits your lifestyle.
Still have questions? Call 866-272-0433
*APR = Annual Percentage Rate is variable and subject to change.
Membership requirements apply and membership fees will be waived for actively enrolled students with school identification. 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.
1Private Student Loans. Also known as Private Education Loans under Regulation Z. Kinecta Federal Credit Union is an Equal Opportunity Lender. Private Student Loan Program is subject to change without notice. Subject to credit approval of borrower and/or co-borrower. Rates, loan amounts, and terms are based on standard underwriting factors.
To be eligible for this loan program, student must be a member of Kinecta Federal Credit Union. If the student is not currently a member, (s)he must provide a valid membership number before funds may be disbursed. Kinecta holds membership applications until loan is approved and accepted. Kinecta will mail membership ID and account disclosures.