SIGNATURE LOANS
Collateral-free installment loan with fixed payments allows
you the flexibility to spend on whatever you like.
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Paying down high-interest debt
Medical and dental expenses
Cash for your dream vacation
Improving your credit by paying down other debts
with an installment loan
The terms couldn’t be simpler.
• Loan can pay off other debts or Kinecta will
provide you with the proceeds
• Select the amount that’s right for you, loan
amounts available from $1,000 up to $25,000
• Loan terms available up to 60 months and term
is dependent on loan amount
• Interest rate as low as 8.24% APR*
Other Popular Services
Call 800.854.9846 or visit
www.kinecta.org/signature-loans
Credit Cards
Kinecta Credit Cards are designed to meet your individual needs. We combine our personalized service,
convenience, and all the benefits of your Kinecta relationship into one great credit card.
www.kinecta.org/credit-cards
ore!
Select Accept –
Overdraft Coverage**
At Kinecta, we will strive to authorize everyday debit card
transactions when insufficient funds exist in our members’
accounts, as long as we have your permission to do so.
www.kinecta.org/select-accept
* Annual Percentage Rate (APR). Monthly payments at 8.24% APR over a 60 month term are estimated at $20.39 per $1,000. Rates accurate as of 6/15/16 and are subject to change. Rate includes a .25% discount for
AutomaticPayment(AutoPay).RatessubjecttoincreaseifAutoPayisdiscontinued.Actualinterestrateofferedmaybehigherdependingonapplicant'screditratingandotherunderwritingfactors.KinectaSignature
Loanapprovalissubjecttocreditworthiness,andotherqualifications.Membershiprequirementsapply.Loanamountsmayvarybasedonavarietyoffactorssuchasincomeandcreditrating.Maximumloanamountis
$25,000.00perqualifyingMember.Termsandconditionsaresubjecttochangeatanytime.
**Enrollment in Select Accept is free. There is a $29 per transaction fee each time Kinecta, at its discretion, pays your transaction when you don’t have sufficient funds. However, we understand that accidents
happen, which is why we will not charge you the $29 fee if you overdraw your account within $5. We reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good
standing, you are not making regular deposits, or you have too many overdrafts. Recurring debit card transactions (such as a gym membership) may continue to be authorized at our discretion even if you do not
sign up for Select Ac-cept. You must promptly pay the amount of any overdraft along with any fees that apply. Otherwise, your account may become restricted.
www.kinecta.org | 800.854.9846
04/15