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LOANS
New and Used Auto Loans
Looking for a first car? Looking for a second car? Looking for a car for your kids? Whatever kind of car you may be looking for, you don't need to look for financing. It's right here at KIT.
There are many benefits to financing all your vehicles through KIT: *
- Up to 100% financing is available on new and used models
- Terms up to 72 months
- Competitive, low rates
- Refinance auto loans from other lenders and lower your monthly payments
- We can pre-approve your loan before you buy
* Terms and conditions are based on each borrower's own credit history and the type and value of the automobile
New and Used Boat Loans
Recreation fun can be made a lot better when you let KIT help you with that boat purchase. Whether you are getting a new or used boat, we can finance it for you at our low rates and reasonable terms. So don't let the cost of your boat and accessories get you down, let KIT get you out on the water for less!
* Terms and conditions are based on each borrower's own credit history and the type and value of the boat
New and Used Motorcycle Loans
Motorcyclists are often overlooked, but not at KIT. We have low rates and easy terms to open up the road for you.
* Terms and conditions are based on each borrower's own credit history and the type and value of the motorcycle
New and Used RV Loans
Whether you need a small RV for those weekend trips and summer vacations or you are ready to roll in a large RV for extended trips, KIT can help make your wish come true. Check us out for our varied terms and rates that will make RV living a treat.
* Terms and conditions are based on each borrower's own credit history and the type and value of the RV
New and Used Horse Trailer and Other Vehicle Loan
Looking around for someone to help with a horse trailer or other out of the norm vehicle? Call us to see if we can't be of assistance to you. KIT is here to serve and if we can lend on it under our regulations, we will.
* Terms and conditions are based on each borrower's own credit history and the type and value of the vehicle.
"Ready Cash" Line-of-Credit
Sometimes you need extra funds to purchase that personal item, take a vacation, or repair the house or car and KIT has a loan just for you. Our Ready Cash Line-of-Credit sets up a credit limit with your signature as the collateral and at amount that is determined by your needs and financial standing. When you need money, just access you're your Ready Cash account for the funds you need through Audio Response, KIT Connect, or at the Credit Union Office. No need for lengthy applications each time you want some extra cash for something special.
Overdraft Protection Loans
We've all done it --- written a check and miscalculated our balance. Guard against that once in a long while missed-step by signing up for our Overdraft Protection Loan. This signature loan will set aside a line-of-credit to cover those times when you overdraw your account. Let other people pay NSF fees and be too embarrassed to go back to their favorite store, you'll be protected at KIT.
Other Unsecured and Personal Loans
For those one-time needs, whether planned or unexpected, KIT personal loans are for you. KIT can build a loan that fits your budget and takes care of you. Just contact us and we will go to work for you right away. Personal service for your personal needs.
VISA Credit Cards
If you want a credit card that is convenient and doesn't have all those restrictions and "if" clauses, then you need a VISA Credit Card from KIT. Low fixed rate, no annual fee, no higher rate if your payment is late, comfortable repayment terms, and worldwide acceptability make KIT's credit card program ideal for you. Don't wait and be caught without cash or checks, get your VISA today!
Home Equity Line-of-Credit Loan (HELOC)
Put the equity in your home to work for you. Is it time to pay college tuition for the proud parents of that high school graduate or do you want to remodel the basement to get the kids out from under foot? KIT can help you access the sleeping equity that is waiting to be of use to make your dreams a reality. This account is usually tax deductible (ask your tax professional) for added benefits to you. Access your HELOC through KIT Connect, by phoning the Office, or by stopping by at your leisure.
1st and 2nd Non-purchase Money Mortgage Loans (Closed-end Equity Loan)
Sometimes you want a fixed-rate loan for a singular purpose, but your Ready Cash limit isn't quite enough. Let the equity in your home work for you since you're working for it or on it everyday. We have several options for you to choose from in setting up a loan to fit your needs. It doesn't matter if you have paid off all mortgages on your home or if you want to combine a first and second mortage to make those payments easier, let us serve you. Just contact a Loan Officer and they will work with you to make your life easier.
1st Mortgage Purchase Money Loans
KIT partners with CU Channels to offer you a wide variety of terms to assist you in buying that dream home. Whether it is your first home, a growing family upgrade, or a retirement cottage, we can help it become yours. KIT staff assists you with all the paper work and closes your loan, so you have our same efficient, friendly service during this stressful time. Your best choice for financing is just a click a way. CU Channels will get you your home.
Loan Protection Insurance
Why worry that you won't be able to meet all your financial responsibilities in case you are sick or injured or even if you die? With our low cost credit disability it will pay on your credit union loans while you are off from work. Our credit life insurance will make life easier for your loved ones in the event of your death. Don't worry while you are sick or leave your family behind with your bills, sign up for credit disability and life insurance on all your credit union loans.
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Your savings federally insured to at least $250,000
and backed by the full faith and credit of the
United States Government.
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We do business in accordance with
the Federal Fair Housing Law &
the Equal Credit Opportunity Act.
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