Borrowing should be simple. At KEMBA Indianapolis Credit Union, we make it easy to find the right loan for your needs.
Whether you’re buying or refinancing a car, a home, or covering an unexpected expense, we’ll be with you every step of the way.
KEMBA offers loan options for every stage of life—from auto and personal loans to home financing and more!
Not a member yet? No problem. You can become a member as part of your loan application process, we’ll make it quick and easy.
Our friendly, experienced team is here to help compare options and find the best fit for your goals. We take the time to understand your needs and recommend the right solution—so you can borrow smarter and save more.
In addition, we’ll guide you through every step of the process to ensure everything goes smoothly, from application to approval. Contact us to connect with a KEMBA loan representative— we’re here to answer any questions you may have and help in any way.
KEMBA Indianapolis Loan Rates Effective 01/02/2026
| New and Used Auto Loans | Terms* | APR** |
| 2024- current model year | 48-84 months | rates as low as 5.29%*** |
| 2019-2023 | 48-72 months | rates as low as 5.59%*** |
| 2018 and older | 48-60 months | rates as low as 8.39%*** |
| Motorcycle Loans | Terms* | APR** |
| 2024- current model year | 48-84 months | rates as low as 9.39%*** |
| 2019-2023 | 48-60 months | rates as low as 10.89%*** |
| 2018 and older | 48-60 months | rates as low as 12.19%*** |
| Personal Loans | Terms* | APR** |
| Closed end Personal Loan**** | 36-60 months | rates as low as 5.29%*** |
| Open end Personal Line of Credit | 36-60 months | rates as low as 5.59%*** |
| Credit Builder**** | 36-60 months | rates as low as 8.39%*** |
| Share Secured Loan | 36-60 months | 3% above deposit rate |
| VISA Credit Cards | Type | APR** |
| Member Rewards | Rewards – 1 point per dollar | 14.25%- 21.00% |
| Member Classic | Everyday low rate | 13.15%- 21.00%* |
| Member Secured | Establish/ reestablish credit | 21.00% |
Introductory offers available for new card members! Visit MyKEMBA.org/loans/credit-cards
| Home Equity Loan | Terms* | APR** |
| Home Equity Line of Credit | 7 yr. draw/ 15 yr. repayment | Variable |
*Term availability depends on credit score. Some terms may not be available.
**APR = Annual Percentage Rate
***Rates listed include a .10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan.
****There is a $25 application fee for unsecured loan products. Funds must be on deposit at the time of application. If the loan is approved, we can add the application fee to your loan. Speak with a KEMBA loan representative for more information.
All loans are subject to credit approval and underwriting criteria. NMLS# 794595
Existing Members- Login to MyBranch online banking to complete the application.
Not a member? Use this application to submit your loan request.
All loans are subject to credit approval and underwriting criteria. Membership with KEMBA is required. If you are a non member, applying for a loan will also initiate a membership application.
