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We can help you get the right loan for your needs.

We know that when members need to borrow money they need it fast. Our lending professionals are focused on helping you achieve your goals. Kinetic Credit Union makes it easy to apply for a loan with our online application center. Not a member of Kinetic Credit Union? Don't worry, if you qualify for membership you can fill out our online application and become a member at the same time.

Apply for a loan now!

Auto Loans

Kinetic Credit Union offers competitive rates on new & used auto loans. Visit our Auto Loan Center  for rates, terms & protection plans.

Kinetic Car Buying Service

The Kinetic Car Buying Service can help you save time and money. It’s simple and free for Kinetic members. Visit our Auto Loan Center  to get started.


On the Spot Financing

With Kinetic Credit Union’s “On The Spot Financing” program simply choose any participating dealership, complete the loan application and upon approval, drive away in your new vehicle. The Dealer will take care of the paperwork for your Kinetic Credit Union loan. And as always, you’ll get the same low rates that Kinetic Credit Union offers. For additional information about our “On The Spot Financing” program, call the Kinetic Indirect Lending Department at 706.320.8500 ext. 14415. Click here to see our list of participating dealers.


Visa® Credit Card

Kinetic Credit Union is proud to offer the VISA Diamond credit card for your borrowing needs. With competitive rates and no annual fee, a VISA Diamond credit card can get you where you need to go.

The VISA Diamond includes many great benefits, including:
  • No Annual Fees
  • Mobile Payments
  • 25-Day Grace Period*
  • Cash Advances at ATMs worldwide
  • Balance Transfers
  • Credit Life and Credit Disability Insurance (optional)
  • Scorecard Rewards
* 25 day grace period to pay your entire statement balance before a finance charge on purchases will be imposed.
There is no grace period for cash advances.

Card Contact Information
  • To report a Lost/Stolen card please call 844-436-1753
  • To report unauthorized transactions on your card please call 844-436-1754
  • To activate and set a PIN on your Debit and Credit card please call 844-373-1730
  • To set a PIN on your ATM card please call 800-992-3808
  • If your card is being declined and you’ve received a message from us regarding the activity on your card please call 877-253-8964
Scorecard Rewards

Earn bonus points for every purchase made with your Kinetic Credit Union VISA® card! Your Kinetic Credit Union VISA Debit or Credit card includes ScoreCard, a rewards program like no other. You earn Bonus Points for every qualified retail purchase you make. Those points can be redeemed for brand-name merchandise and awesome travel awards, including airline tickets! For more information on items you can get through scorecard rewards click here. For a complete list of items your Bonus Points can be redeemed for go to and log in to your account.

Kinetic has mass issued chip cards. All members will need to create a new ScoreCard ® Rewards profile to access their points. Go to for instructions on how to create a ScoreCard ® Rewards profile, to view, or redeem your points.



Student Loans

The Kinetic Smart Option Student Loan® by Sallie Mae®
For borrowers attending degree-granting institutions

Now you can pay for college the smart way with three great repayment options and competitive interest rates! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits: 
The Kinetic Smart Option Student Loan by Sallie Mae.
  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees and no prepayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists
Learn More

More lending Solutions

Signature Loans
Lines of Credit
Certificate & Secured Loans

Loan Payment Options

  • Have your payment set up to automatically draft from one of your Kinetic deposit accounts.
  • Utilize our e-Branch services which allow you to transfer your payments from your Kinetic deposit accounts.
  • Click here  to make payments using a non-Kinetic debit/credit card. You can also call (866)310-6882 to complete a transaction.
  • Call our communications center at 706-320-8500 to make a payment over the phone.
  • Visit any one of our conveniently located branches.
Need loan coupons? Click here  to access our fillable loan coupon and print your own coupons from the comfort of your home or office.