Consumer Loans

• Vehicles
  
• Student Loans
  
• Streamline
  
• Share and Certificate secured
  
• Signature

Whenever you need a loan, come to KFCU first. A variety of loan options are available to meet your needs…all with fast approval, low interest rates, and flexible terms. Plus, with payroll deduction, you can have your loan payments made automatically. The credit union also offers life and disability insurance on all consumer loan products (except student loans). You can also save time by applying through Money Connection's Automated Lending system or by using our online application.

• New vehicles/recreational vehicles can be financed for up to 100% of the sales price and used vehicles/recreational vehicles can be financed for up to 100% of the NADA value. Choose the term and rate (variable or fixed) to best suit your budget. Terms of up to 48 months are available for used vehicles and up to 60 months for new vehicles. 72 month financing is available on vehicles financed over $20,000. (If you choose variable rate financing, your payment does not change, but the repayment term may).

• Student Loans are available for students and parents. Our program, the Maine Advantage Loan, is designed to help reduce the cost of Federal Stafford and Federal PLUS loans by as much as 1 ˝ % when compared to other lenders. With the Maine Advantage, monthly payments are reduced immediately upon repayment. Other programs require you to make years of perfect on-time payments in order to qualify for the discount.

• Streamline can be used as an overdraft protection account or as a line of credit. Credit limits are available up to $7500.00. Simply access funds by writing a share draft from your account. And best of all, you only have to apply once to be able to use this service over and over again.

• Share and Share Certificate Secured Loans allow you to use your own funds in shares or certificates as collateral while still earning dividends on these accounts. These low rate loans allow you to borrow up to the full amount of the share or the share certificate account.

• Signature Loans or non-secured loans are also available at both fixed and variable rates.

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