Personal Loan

Personal Loan

The freedom to purchase what you want

Capitol Federal® lets you have the freedom to purchase what you want with our fixed-rate personal loans.  Sometimes life throws you a curveball or hands you an opportunity, and CapFed® loans can help. We offer unsecured personal loans for your convenience.  Use for any purpose – whether it be vacation or to consolidate debt. Personal Loans offer:

  • Competitive rates
  • Quick loan decisions
  • Save an additional 0.25% with an automatic payment from a Capitol Federal checking or savings account

personal unsecured

Rates and fees are subject to change without notice. Rates are effective as of August 17, 2022.

Loan Amount Maximum Term Interest Rate Annual Percentage Rate (APR)
$1,000 to $5,000 24 months 12.000% 14.282%

personal unsecured disclaimer

*Interest rates for personal unsecured loans are fixed for the term of the loan. The Annual Percentage Rate (APR) assumes the maximum loan amount for the maximum term. For a $5,000 loan, 24 monthly payments of $240 would be required.

The interest rate and corresponding APR may be reduced by 0.25 percent with preauthorized payment from a Capitol Federal® checking or savings account.

Certain restrictions apply. Loan is subject to a 2 percent origination fee and closing costs up to $14. These costs are added to the loan amount and are not required to be paid out-of pocket.

Apply online

Complete a CapFed® consumer loan application online.


Have questions about which loan is best for you?

Personal Unsecured Line of Credit

A Loan for The unexpected - Unsecured Line of Credit 

With an Unsecured Line of Credit there's no need to use your home or other assets to secure your lending. An Unsecured Line of Credit is perfect for expenses like home improvements or life's unexpected moments, like water heater breaks or when an air conditioner unit goes out. Also, use your Unsecured Line of Credit as Overdraft Protection for your checking account.

Personal Unsecured Line of Credit Offers:

  • No application fee
  • Fixed rate
More on Unsecured Lines of Credit