Mature couple cooking in kitchen

Personal Loans


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

Kalsee personal loans offer affordable, flexible borrowing options.

  • Pay off student loans
  • Consolidate high interest credit card balances
  • Home improvement projects
  • Vacations
  • Unexpected expenses
  • And more…
Family Christmas dinner

Holiday Loans, 5.99% As Low As APR2

In case you need just a little help to make the magic happen.


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
Looking at vacation pictures

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 5.49% APR1

·   No application fee   ·
·   No prepayment penalty   ·
Term (Months) APR1 As Low As With VIP Perks Discount1
Holiday Loan Special2 5.99% 5.49%
#LifeHappens 2%  off your regular qualified rate
12 8.00%
36 10.00% 9.50%
60 11.00% 10.50%

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. APR with VIP or Platinum 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. Rates effective Thursday, October 22, 2020.

2 APR = Annual Percentage Rate. Some restrictions may apply. Approval subject to credit union requirements and underwriting guidelines. Rates based on credit experience. New members subject to eligibility requirements. $1,000 minimum loan amount. Existing KALSEE loan or credit card balances not eligible for refinance via this promotion.

man scratching his head

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?
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.

Don't see your question listed?
Visit our FAQ page.