Personal Loans
Unexpected expenses and major life moments can happen anytime. From emergency repairs and tuition costs to big purchases and celebrations, Kohler Credit Union offers flexible personal loan solutions built around your needs.
Flexible Borrowing Options Designed For You
Enjoy competitive personal loan rates designed to help keep borrowing costs manageable, along with the flexibility to pay off your loan early without prepayment penalties. You can also use your KCU share certificate as collateral to access funds while continuing to earn dividends on your savings.
Certificate-Secured Loan Options
Competitive Rates
No Prepayment Penalties
Personal Loan Rates
| Maximum Term | APR Rate As Low As* | Monthly Payment† |
|---|---|---|
| Up to 36M ($3,000.01 or over) | 11.59% | $33.03 |
| Up to 48M ($3,000.01 or over) | 12.59% | $26.63 |
| Up to 60M ($3,000.01 or over) | 13.59% | $23.07 |
Other Lending Solutions
Explore flexible borrowing options designed for education expenses, ongoing access to funds, and other financial needs.
Kwik Cash Line of Credit
Kwik Cash provides flexible access to funds when you need them most. Once approved, you can access available funds quickly and only pay interest on the amount you use, helping provide added flexibility for unexpected expenses and everyday financial needs.
Competitive Rates
Access funds with competitive borrowing rates designed to help keep costs manageable.
No Annual Fee
Enjoy convenient access to your line of credit without an added annual fee.
Optional Overdraft Protection
Link your Kwik Cash line of credit to your KCU checking account for added overdraft protection when needed.
24/7 Access to Funds
Advance available funds anytime through convenient account access options.
Student Loans
Kohler Credit Union partners with ISL Education Lending to offer student loan solutions designed to help students and families plan for education expenses with greater flexibility. ISL Education Lending is a nonprofit organization with decades of student lending experience and offers competitive private loan and refinance options for a variety of education needs.*
Student Loans for College Expenses
Help cover tuition, housing, books, and other eligible education costs.
Parent & Family Borrowing Options
Financing solutions are available for parents or family members borrowing on behalf of a student.
Student Loan Refinance Options
Explore refinancing solutions that may help simplify payments or reduce borrowing costs over time.
Scholarships & Planning Resources
Access scholarship opportunities and free college planning tools designed to help students and families make informed borrowing decisions.
Personal Loan Calculators
Ready to apply?
Rates as of April 1, 2026.
*Rates stated as annual percentage rate. The annual percentage rate you receive is based on certain creditworthiness criteria, automatic payment with remote document signature, and direct deposit of net payroll check to a Kohler Credit Union checking account with eStatements. Eligibility for unsecured loans is based on membership criteria, credit history, and other underwriting factors. To learn more about membership requirements and determine your eligibility, please visit our About Us page or contact the credit union.
Other terms and conditions may apply.
†Monthly payment is based on payment per $1,000 for rate and term.