KEMBA Indianapolis Credit Union will be closed on Monday, February 16, 2026 to observe Presidents Day.

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PERSONAL LOANS & LINES OF CREDIT MADE FOR YOU

A KEMBA Credit Union loan is the perfect solution for your individual needs—big or small. In fact, we offer both closed-end personal loans with fixed terms as well as flexible personal lines of credit you can use as needed. Whether you’re consolidating debt, covering unexpected expenses, or planning a major purchase, we’re here to help every step of the way. Simply put, our goal is to help you find the option that works best for you and your financial goals. Talk with a KEMBA representative to explore your choices and get started today.

You can use your personal loan or line of credit for a variety of needs. For example:

  • To simplify your finances, consolidate debt or pay off high-interest credit cards.
  • To celebrate life’s little (and big) moments, such as vacations, weddings, back-to-school expenses, or holiday shopping.
  • To manage unexpected costs, including auto repairs, medical bills, or emergency expenses.
  • To upgrade what matters most, from home repairs and household purchases to replacing essential appliances.
  • Or simply because you can—a big gift, a special experience, or anything else you need—it’s your loan, your way.

In addition to flexible uses, borrowing with KEMBA comes with meaningful benefits:

  • Fast and easy application process
  • Flexible loan terms tailored to your budget
  • Convenient payment options: weekly, bi-weekly, semi-monthly or monthly
  • Rate discount whe you set up auto pay from your KEMBA checking account
  • Optional credit life & disability payment protection for added peace of mind

Additionally, if you're looking to build or strengthen your credit, we offer options designed specifically to help you move forward with confidence.

KEMBA offers these loan types to help you start to build a strong credit history!

Credit Builder Loan

Looking to establish or improve your credit? If so, a KEMBA Credit Builder Loan can help you create a strong payment history and lay the foundation for your financial future. Loan amounts range from $500 to $2,000, making it a smart first step toward better credit.

 

 

A better alternative to Payday Loans

On the other hand, if you need access to funds but want to avoid high-cost payday lenders, our KEMBA Quick Cash Loan may be the right solution. Designed for members with less-than-perfect credit, loan amounts range from $300 to $1,500. Plus, all you need is an active direct deposit and established membership.

 

Ready to get started? Simply use the link at the top of the page to begin your application. Need assistance? Contact us to connect with a KEMBA representative—we’re here to answer your questions and guide you every step of the way!

 

Apply for a Loan

Existing Members

Existing Members- Login to MyBranch online banking to complete the application.

Non Members

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.