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#LifeHappens Loans



Life is unpredictable.

And when it hits you hard, we’re here. Our affordable, simple #LifeHappens personal loans help you and your family face challenges head-on.

  • Medical / Vision
  • Dental / Braces
  • Pet Health
  • Auto Repair
  • Funeral
  • Home Improvement / Emergency

As low as 9.99% APR1

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Pro Tip:

When applying online, select “Unsecured Loan” from the Loan Type drop menu. 

Apply Online

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1 APR = Annual Percentage Rate. Rate determined by credit experience. Rates subject to change. Restrictions may apply. The legal age to apply for and obtain credit is 18 years of age. As low as APR includes VIP or Perks discount, which will not be reflected on your contract or payment amount. The discount will be applied to your loan as a rebate to your loan balance each month that you maintain VIP Perks status. Rates effective Tuesday, June 2, 2020. Other Kalsee loans are not eligible for consolidation with a #LifeHappens loan.
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How Do I...

Click to view our locations and hours.

Click to locate a fee-free ATM  near you. Did you know you can use credit union CO-OP network ATMs and fee free?
Call 866-985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.
We offer several convenient options for making your loan payment. Learn more.
Login to your account online, call 269-382-7800, or visit any branch with a valid ID and correct address.

Don't see your question listed?

Visit our FAQ page.