Loan Products
All types of loans for your convenience:
-
Low Rates
- Flexible terms
- Generous loan amounts
- Convenient pre-approval
- Money saving refinancing options
- Extended warranty plans
- GAP program
- Convenient automatic payments with payroll deduction or direct deposit
- Payment protection plans
Before you make any major purchase, give our loan officers the opportunity to offer you our best rates and give you a pre-approval for your loan. Our rates are very competitive with other financial institutions around the country because we are owned by our members! We are a not-for-profit financial institution. Therefore, we can give our members lower rates.
To calculate a loan payment click here.
We also refinance loans you have with other financial institutions.
New and Used Vehicle Loans
We offer great low rates and convenient payment terms on
any type of auto loan. Get pre-approved
before you even go to the dealer to make
sure you will get the best deal possible. Click
here for a loan application you can print and mail,
fax or fill in online and submit. Side by side comparisons
of the total finance charges prove what looks too good to
pass up from the other guy probably should be passed up.
With payroll deduction from each paycheck
you come out ahead! We give you many ways
to research, locate, purchase and finance your new or used
car, van, truck or sport utility vehicle.
To find the value
of a new or used car click
here.
Protect yourself and your new purchase
with Credit Life and Disability Insurance, Mechanical Breakdown
Protection and GAP protection. To read about the advantages
of these payment protection plans click
here.
Student Loans
Now you can pay for college the smart way with great repayment options! Together we can do this.
The KONE Employees Credit Union Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.
To learn more or to apply, please get started Here.
The Smart Option Student Loan features and benefits:
- Competitive Interest Rates
- Borrow up to 100% of school certified education costs (minimum $1,000)
- Multiple in-school repayment options available
- Borrower benefits available – like rewards and interest rate reductions
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
- Fast Online Application. Our easy-to-complete application takes about 20 minutes.
It's quick and easy. - 24/7 online account management
- No prepayment penalty.
To learn more or to apply, please get started Here.
Personal Loans
The loan to have for debt consolidation, the cruise you
keep putting off, that vacation you have always wanted or
just paying for that special gift for Christmas, your vacation
or a birthday. A personal loan is the way to go. We will
fit the payments to your circumstances. Ask about our payment
protection.
Savings Secured Loans
These loans allow you to use your Credit Union savings to
borrow money at an attractive interest rate without liquidating
your savings account. The rates are lower than personal
loan rates because you are using your savings as collateral.
If you are in need of money but do not want to deplete
your savings, what a great way to use that money
you worked so hard to save!
Recreational Vehicles and Boats
Whether you need financing for any type of RV or boat, we
offer flexible terms and low rates on recreation loans to
help you enjoy your free time in style.
- Terms Up to 7 years for qualified borrowers.
Motorcycles
Attractive rates are available for all types of motorcycle
loans. Get a pre-approval and value before you approach
the dealer. This pre-planning will give you a great advantage
when you negotiate with a dealer. Don’t forget to
ask about payment protection when you apply for your loan.
Click
here for an online loan application.
