Kinetic Credit Union Personal Loans
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| APR (Variable APR) |
11.39% - 18% (Verified 08/04/2023) |
| Loan Amount | $500 - $15,000 |
| Loan Term (Months) | Up to 60 months |
Kinetic Credit Union Personal Loans Review
Kinetic Credit Union Personal Loans is offered by Kinetic Credit Union, a credit union founded in 1956 and based in Columbus, GA. Kinetic Credit Union Personal Loans are available in 2 states across the USA.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 5% and 36%. The starting rates for Kinetic Credit Union Personal Loans are on the higher end of the market.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Kinetic Credit Union Personal Loans early.
Kinetic Credit Union Personal Loans Pros & Cons
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Kinetic Credit Union Personal Loans FAQ
What interest rates and personal loan terms does Kinetic Credit Union Personal Loans offer?
Kinetic Credit Union Personal Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Kinetic Credit Union Personal Loans offer?
Kinetic Credit Union Personal Loans offers a variable APR personal loan product that ranges from 11.39% APR up to 18% APR.
How much can you borrow via Kinetic Credit Union Personal Loans?
Personal loan amounts start at $500and go up to $15,000
What is the maximum loan term you can get with Kinetic Credit Union Personal Loans?
Kinetic Credit Union Personal Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $500 - $15000 |
| Loan Term | up to 60 months |
| APR | 11.39% - 18% |
What fees does Kinetic Credit Union Personal Loans charge?
Does Kinetic Credit Union Personal Loans charge an origination fee?
Kinetic Credit Union Personal Loans may charge a personal loan origination fee.
Does Kinetic Credit Union Personal Loans charge a late fee?
No, Kinetic Credit Union Personal Loans will not charge you a late fee if you miss one of the monthly payments.
Does Kinetic Credit Union Personal Loans charge prepayment fees?
No, Kinetic Credit Union Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Kinetic Credit Union Personal Loans?
Kinetic Credit Union Personal Loans does not require or does not disclose a credit score minimum.Kinetic Credit Union Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Kinetic Credit Union Personal Loans only considers borrowers who are employed.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Kinetic Credit Union Personal Loans. Their rates fall within the limits of The Military Lending Act.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Kinetic Credit Union Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does Kinetic Credit Union Personal Loans report your account activity to credit bureaus?
Yes, Kinetic Credit Union Personal Loans reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
Are Kinetic Credit Union Personal Loans legit?
Kinetic Credit Union was founded in 1956, it is a well-established company that has been in business for 67 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
- Columbus, GA 31908
- (706) 320-8500
- Visit Site
- Email Support
Other Services by Kinetic Credit Union
Availability
- Alabama
- Georgia
Feature Breakdown
| Employment Statuses Considered |
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| Immigration Status Considered |
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| Joint Loan Applications Accepted |
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| Military Status |
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| Supported Income Types |
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| Verification Documents Required |
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