Ready to get started? Apply anytime online or contact us—we’re here to help every step of the way.
Personal loans from KEMBA Indianapolis Credit Union give you the flexibility to handle whatever comes your way. Whether you’re consolidating debt, covering unexpected expenses, or planning a major purchase.
We’ll help you find the right option to fit your needs and your budget.
| Personal Loan Rates | |
| Closed End & Line of Credit | APR** |
| Up to 36 months | rates as low as 10.70%*** |
| 37 to 48 months | rates as low as 11.00%*** |
| 49 to 60 months | rates as low as 12.00%*** |
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Rates effective as of 10/01/2026 and are subject to change without notice. *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.
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Need to build or strengthen your credit? KEMBA offers options designed to help you move forward with confidence:
Credit Builder Loan
Establish or improve your credit with a structured repayment plan. Loan amounts range from $500 to $2,000—an easy first step toward building a stronger financial future.
Quick Cash Loan- A payday loan alternative
Need access to funds but want to avoid high-cost lenders? Our Quick Cash Loan offers a more affordable option for members with less-than-perfect credit. Loan amounts range from $300 to $1,500 with simple qualification requirements.
| Other Closed End Loan Rates |
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| Loan Type | APR** | Loan Details |
| Credit Builder Loan | 9.99% | $500-$2000 up to 20 months |
| Quick Cash | 20.89% | No/ Low credit, up to $1500 payday loan alternative |
| Share Secured | +3% of current share rate | Loan secured by money of deposit with KEMBA |
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Rates effective as of 10/01/2026 and are subject to change without notice. *Term availability depends on credit score. Some terms may not be available. **APR = Annual Percentage Rate |
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Ready to get started? Apply anytime online or contact us—we’re here to help every step of the way.
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.