Personal Loans

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Ready to get started?

From living expenses to once-in-a-lifetime moments

Cover out-of-the-blue expenses. Whittle down a mountain of bills. Manage everyday expenses. Or think outside the box and do something special for those you love. Extra money at just the right time can be a real game-changer, and we are here to help our Central Ohio neighbors discover your unique solution. KEMBA Financial Credit Union's Personal Loans are designed to push your life forward in whatever way you see fit.
  • Low, fixed rates
  • Exclusive Advantage rate discount
  • Repayment periods of up to five years
  • Fast application process
  • Upon approval, funds can be available same day
  • Good strategy for paying off debt from higher interest loans and credit card balances
  • Use KEMBA's Personal Loan Calculator to estimate what you'll pay each month

Signature/Personal Loan Product Minimum Amount KEMBA Advantage
Rate as low as (Rate)
KEMBA Advantage
Rate as low as (APR)
Everyday Rate as low as (Rate) Everyday Rate as low as (APR)
Closed End Fixed Rate $500 9.74% 10.16% 10.24% 10.67%

Choose an option below to get started!

Digital Banking users

Open KEMBA's Mobile App or log in to Digital Banking and select "Apply for a loan" on the menu or ☰.

Not a member or Digital Banking user?

Learn More About Personal Loans

To learn more about Personal Loans, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started.


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Personal Loan Application

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APR=Annual Percentage Rate. Rates are subject to change without notice and may vary due to factors specific to each loan. APRs may vary based upon creditworthiness and Advantage status. Maximum everyday rate as high as 25.00% APR. Click here for more on qualifying for Advantage status. Finance charges are calculated using the daily balance method. Rates may vary based on credit rating, age and/or value of collateral (if any), and term of loan. The minimum loan amount is $500. The minimum term for Personal loans below $1,000 is 6 months. The minimum term for Personal loans equal to or greater than $1,000 is 12 months. The maximum Personal loan term is 60 months.
APRs shown are based on a 36-month term. Actual rates may vary based on creditworthiness and method of payment. Finance charges are calculated using the daily balance method. Interest will accrue during deferral period and will increase the total amount to repay the loan. For example, typical KEMBA members with 700 credit score opening a $8,500 Personal loan with a 60-month term would have an average everyday rate of 13.13% APR. The total interest over the course of this representative example loan would be a total cost of $3,138.70, including a $124 document fee. A $50 pre-payment penalty may also apply.
KEMBA reserves the right to change the KEMBA Advantage program at any time. Learn more about our Advantage program. KEMBA membership required.
*Important information about your loan application:
A KEMBA membership is required before you can receive a loan. While you can complete and submit the online loan application prior to membership, we require that you join the Credit Union before your loan is funded. Find out if you’re eligible for membership.

Online loan applicants must be at least 18 years old and U.S. Citizens. When you submit an online loan application you are authorizing KEMBA Financial Credit Union to obtain your consumer credit reports from national credit reporting agencies, and contact you via telephone, email, or mail in regards to your application. It is also important to note that information obtained by KEMBA from your loan application may be kept and maintained by the Credit Union for an indefinite period of time, and may be shared with business affiliates of the Credit Union for any lawful purpose.

Customer Identification Program Notification: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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Student Loans

A better way to finance your education! 

KEMBA offers low-rate student loans to fill the gaps between a federal loan and tuition, graduate student loans, and refinancing for both private and federal student loans
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