KEMBA offers a variety of loans at competitive rates and convenient terms.

All rates and terms are subject to change without notice. Loan rates and terms are based on credit rating, value of collateral (if applicable) and term chosen.

Loan Application & Process

To apply for a loan, complete our Loan Request (click below) and forward to the credit union by email, fax, U.S. mail, or personally along with your latest payroll stub. A loan officer will then review your application, along with your credit report, and contact you with a decision, usually within 24 hours.

LOAN REQUEST

Loan Protection

KEMBA offers low-cost payment protection plans. Payment protection covers your loan payment in the event of death or disability resulting from illness or accident.

Loan Payments

Payments toward your loan can be made by ACH, automatic transfer, payroll deduction, mail, or in person.

No charge for early loan payoffs!

Loan Types

New/Used Vehicle Loans
We offer a range of low interest loans for both new and used vehicles. Financing up to 100% of the purchase price of new vehicles or NADA retail on used vehicles to qualified members. Taxes, title, and warranty included.

Share Secured Loans
Our lowest rate loans that are secured by a savings account or share certificate. Interest will still be earned on these accounts. As the loan is paid down, those funds become available for withdrawal. These are great loans for young adults trying to establish credit.

Other Collateral New/Used Loans
Up to 100% financing on new and NADA wholesale value on used to qualified members.

Signature Loans
Unsecured loans that are available for any purpose. Maximum amount available is $5000.00 and is based on income, credit and ability to repay. Terms up to two years.