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A personal loan that actually feels personal

If you’ve been thinking about consolidating debt, upgrading to a new car, booking that dream vacation, or finally tackling those home improvements, a KCCU personal loan can help you take the next step with confidence. Your financial goals matter and we’re here to help you reach them.

BORROW UP TO $20,000 at the special rate of 5.20%*

Our personal loans are designed to make borrowing simple and stress-free, with features that work with your lifestyle:

  • Convenient automatic payments or payroll deduction
  • No penalties for paying off your loan early
  • Option to refinance loans from other financial institutions
  • Bi-weekly payments to help lower interest costs
Offer ends: November 14th, 2025

If a personal loan feels right for you, now’s the time to take the next step. We’re here to help you make the most of it, book an appointment with one of our lenders or start your application today!

*O.A.C, terms and conditions apply.

Apply Now
Have financial goals but unsure if a personal loan fits your needs?

Schedule an appointment with us, we’ll walk you through your options and help you make the best choice.

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Terms & Conditions
  1. All loans are subject to credit approval (OAC).
  2. Rates (APR) may change at KCCU’s discretion.
  3. This offer is not guaranteed if you do not meet our criteria.
  4. To lock in the special rate and terms, apply before the offer expires.
  5. This offer is not transferable and cannot be applied to refinance existing KCCU loans.
  6. Additional terms, conditions, fees, charges and lending criteria may apply for larger amounts borrowed and may change without notice.
  7. Prepayment permitted at any time without penalty.
  8. Valid government issued ID and confirmation of employment are required.
  9. Applications may be submitted by email or at any KCCU branch location.
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A third party is an individual or entity, other than the account holder or those authorized to give instructions about the account, who directs what happens with the account. For example, if an account were opened in one individual’s name for deposits that are directed by someone else, the other person or entity would be a third party.

  • A secondary piece of identification from the primary list above
  • Canadian Birth Certificate
  • Credit Card bearing the name and signature of the individual which has issued by a well-known and reputable Canadian financial institution
  • A CNIB (Canadian Institute for the Blind) client card bearing the individual’s photo and signature
  • Provincial Outdoors Card
  • Canadian University or College Student Card with photo (for student identification only)
  • An employee identification card (with photo) issued by an employer that is well known in the community (i.e. KGH, DND, Queens University, Corrections Canada, etc.)
  • Foreign passport
  • Ontario Driver’s License
  • Ontario Photo Identification Card
  • Canadian Passport
  • Permanent Canadian Resident Card
  • Canadian Citizenship Card (issued prior to 2012)
  • Secure Certificate of Indian Status issued by the Government of Canada
  • The DND (Department of National Defense) 404 driver’s license
  • Nexus Card issued by Canada Border Services Agency
  • Foreign Passport (only if it is equivalent to a Canadian issued photo identification document)