Personal Loans

Get a personal loan with us!

(Ashaday - banking here since 2023)

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A personal loan is an unsecured loan that can be used for almost anything. Use it to pay the deductible on your homeowners insurance, buy Christmas gifts, or even install a new backyard pool.

Your loan for anything.

Live, Work, Worship in Smith County? It’s never been simpler to apply for a personal loan. You don’t even have to be a member to apply. Even if you don’t have an account with us, you may be able to qualify. The rates are a little higher than they are for secured loans, but their flexibility makes them a popular choice.

  • Unsecured loan
  • Can be used for almost anything
  • Pay your deductible on your homeowners insurance
  • Easy to apply


I have been unbanking with Kelly for over
10 years now! They are the best!
– Gaylon D.

Why should you get a personal loan from Kelly?

A loan from people you can trust.

The whole application process is smooth and seamless – you don’t even need to leave your computer.

Just answer a few quick questions and we’ll reach out. Of course, you can always give us a call or come into one of our branches.

Members love our rewards program.

In fact, many of them use Kelly Community rewards to lower their loan rates.

Our loan officers are committed to helping you out.

When they pull your credit information, they’ll also take a look at your other loans to see if we can offer you a better rate.

Apply Now.

Getting a personal loan has never been easier. Apply for a personal loan.


$10 Membership Fee and $25.00 minimum deposit required.
*APR: Annual Percentage Rate

Great credit union. Great low rates.

Personal Loan
Loan Term APR* As Low As
Up to 60 Months 11.00%
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