2023 Holiday Loans

Personal Loans


0% APR2 Holiday Loans

$1,000 for 10 months

We'll cover the gifts, you keep bringing the magic. Need a little help making the magic happen and have a good standing relationship with Kalsee? You may be eligible for a 10-month term Holiday Loan.  Take the stress out of your holiday budget this year.  Eligibility includes a membership for a minimum of 12 months. Underwriting qualifications are limited based first on your relationship with Kalsee.  


Your needs are unique, and so should your loan be.

Kalsee personal loans offer affordable, flexible borrowing options.

  • Consolidate high interest credit card balances
  • Home improvement projects
  • Vacations
  • Unexpected expenses
  • And more…

Flexible terms to fit your needs and your budget:

  • Repayment terms from six months to five years
  • Got collateral? A wide variety of assets can be accepted as loan collateral: term deposits, automobiles, etc.
  • No prepayment penalty
  • Flexible payment schedule: weekly, bi-weekly, semi-monthly or monthly

Apply Online         Visit a Branch         Calculate Your Payment

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Pro Tip:

Match your payment schedule to your pay period to make budgeting simpler and even out the highs and lows of your checking account.

Get paid bi-weekly?
Choose a bi-weekly payment schedule with due dates coinciding with your pay checks.

Personal Loan Rates

As low as 9.99% APR1

For whenever #lifehappens...

·   No application fee   ·
·   No prepayment penalty   ·
Term (Months) APR1 As Low As With VIP Perks Discount1

More to Explore

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 rate includes 0.50% APR VIP Perks relationship discount. VIP or Platinum (0.25% APR) Perks discount 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 or Platinum Perks status. Approval subject to credit union requirements and underwriting guidelines. Rates effective Thursday, October 22, 2020. Estimated monthly payment for up to 12 months at 10.49% APR is $88.15 per $1,000 borrowed.

2 APR = Annual Percentage Rate. $1,000 loan principal with $950 disbursed to the borrower after $50 loan processing fee. Effective APR of 11.325%. $100 minimum monthly payment with a 10-month repayment term. Automatic payments required. To be eligible, applicant(s) must have been a Kalsee member in good standing for at least 12 months and have active checking with direct deposit. Some restrictions may apply. Subject to credit union requirements and underwriting guidelines. Platinum and VIP Perks rate discounts do not apply. Existing Kalsee loan or credit card balances not eligible for refinance via this promotion.

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How Do I...

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Click to locate a fee-free ATM  near you. Did you know you can use credit union CO-OP network ATMs and fee free?
We offer several convenient options for making your loan payment. Learn more.
Call 866-985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.

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