Personal Loans

From finding the perfect gifts to gathering with loved ones and making special holiday memories, the season is full of moments worth celebrating. A Kalsee personal loan can help bring your plans to life and make the holidays a little brighter!

Limited-time: as low as 7.49% APR1 on up to $10,000!

The holidays should feel joyful, not stressful. Whether you're planning travel, special gifts for loved ones, or simply trying to keep seasonal expenses in check, our Holiday Loan is here to help you focus on what really matters. With predictable payments and lower rates (as low as 7.49%1 with VIP Perks), you can enjoy the season without the financial worry. Lock in your low rate today!
 

Why choose our personal loans?

Sometimes life throws the unexpected your way — medical bills, car repairs, home expenses, or just a little extra breathing room. Whatever it is, we’re here to help you move forward with ease.

Our unsecured personal loans are designed to give you quick access to funds without the need for collateral. Whether you're navigating a surprise expense or planning something meaningful, we offer flexible terms, competitive rates, and a simple online application process that puts you in control.

  • No collateral required – Get the support you need without risking your assets
  • Fast approvals – Apply in minutes, get a decision quickly
  • Flexible loan amounts and terms – Tailored to fit your life and your budget
  • Clear, upfront rates – No hidden fees or surprises
  • Funds direct to your account – So you can take care of what matters most
Life happens. We’re here to help you handle it — confidently and stress-free.

Apply today and take the next step forward.

 

Questions? Call or text (269) 382-7800.
































Personal Loan Rates

 
Term (Months) APR2 As Low As With VIP Perks Discount2
12 10.49% 9.99%
24 10.49% 9.99%
36 10.49% 9.99%
60 10.99% 10.49%















































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.


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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 Perks discount of 0.50% APR. The discount will not reflect on your contract and will be applied to your loan as a rebate to your loan balance each month that you maintain VIP status.
 
2 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 . Estimated monthly payment for up to 12 months at 10.49% APR is $88.15 per $1,000 borrowed.