Consumer Loan Rates

Capitol Federal® offers a wide range of loans with competitive rates to help you make your next big purchase. See our current loan interest rates.

Execuline and Home Equity Rates

Rates and fees are subject to change without notice.

Rates are effective as of December 05, 2024
Loan Amounts Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)
Execuline Home Equity Line of Credit

Loan Amounts

$6,000 to $300,000 (7-year draw term)

Maximum Term

17 Years

Maximum LTV

80%

Interest Rate

8.250%

Annual Percentage Rate (APR)

8.250%

Loan Amounts

$6,000 to $200,000 (7-year draw term)

Maximum Term

17 Years

Maximum LTV

90%

Interest Rate

10.250%

Annual Percentage Rate (APR)

10.250%
Execuline Home Equity Line of Credit - Interest-Only Payments

Loan Amounts

$6,000 to $300,000

Maximum Term

12 Months

Maximum LTV

80%

Interest Rate

10.250%

Annual Percentage Rate (APR)

10.250%
Home Equity/Home Improvement - 2nd Mortgage

Loan Amounts

$1,000 to $300,000

Maximum Term

84 Months

Maximum LTV

80%

Interest Rate

8.000%

Annual Percentage Rate (APR)

8.000%

Loan Amounts

$1,000 to $300,000

Maximum Term

120 Months

Maximum LTV

80%

Interest Rate

8.250%

Annual Percentage Rate (APR)

8.250%

Loan Amounts

$1,000 to $300,000

Maximum Term

240 Months

Maximum LTV

80%

Interest Rate

8.750%

Annual Percentage Rate (APR)

8.750%

Loan Amounts

$1,000 to $200,000

Maximum Term

84 Months

Maximum LTV

95%

Interest Rate

8.500%

Annual Percentage Rate (APR)

8.500%

Loan Amounts

$1,000 to $200,000

Maximum Term

120 Months

Maximum LTV

95%

Interest Rate

8.750%

Annual Percentage Rate (APR)

8.750%

Loan Amounts

$1,000 to $200,000

Maximum Term

240 Months

Maximum LTV

95%

Interest Rate

9.000%

Annual Percentage Rate (APR)

9.000%
Home Equity/Home Improvement Loan - 1st Mortgage

Loan Amounts

$1,000 to $40,000

Maximum Term

84 Months

Maximum LTV

25%

Interest Rate

6.500%

Annual Percentage Rate (APR)

6.500%

Loan Amounts

$1,000 to $40,000

Maximum Term

120 Months

Maximum LTV

25%

Interest Rate

6.750%

Annual Percentage Rate (APR)

6.750%

    Consumer Lot Loan Rates

    Rates and fees are subject to change without notice.

    Rates are effective as of December 05, 2024
    Loan Amounts Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)

    Loan Amounts

    $1,000 to $300,000

    Maximum Term

    60 Months

    Maximum LTV

    75%

    Interest Rate

    10.000%

    Annual Percentage Rate (APR)

    10.338%

    Automobile, Light Truck and Motorcycle Loan Rates

    Rates and fees are subject to change without notice.

    Rates are effective as of December 05, 2024
    Vehicle Model Minimum Loan Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)

    Vehicle Model

    New Vehicle

    Minimum Loan

    $1,500

    Maximum Term

    48 Months

    Maximum LTV

    100%

    Interest Rate

    7.000%

    Annual Percentage Rate (APR)

    7.103%

    Vehicle Model

    New Vehicle

    Minimum Loan

    $1,500

    Maximum Term

    60 Months

    Maximum LTV

    100%

    Interest Rate

    7.250%

    Annual Percentage Rate (APR)

    7.334%

    Vehicle Model

    New Vehicle

    Minimum Loan

    $1,500

    Maximum Term

    72 Months

    Maximum LTV

    100%

    Interest Rate

    7.500%

    Annual Percentage Rate (APR)

    7.571%

    Vehicle Model

    Previously Owned - 4 Recent Model Years

    Minimum Loan

    $1,500

    Maximum Term

    48 Months

    Maximum LTV

    100%

    Interest Rate

    7.000%

    Annual Percentage Rate (APR)

    7.147%

    Vehicle Model

    Previously Owned - 4 Recent Model years

    Minimum Loan

    $1,500

    Maximum Term

    60 Months

    Maximum LTV

    100%

    Interest Rate

    7.250%

    Annual Percentage Rate (APR)

    7.370%

    Vehicle Model

    Previously Owned - 8 Recent Model Years

    Minimum Loan

    $1,500

    Maximum Term

    48 Months

    Maximum LTV

    100%

    Interest Rate

    7.500%

    Annual Percentage Rate (APR)

    7.648%

    Vehicle Model

    Previously Owned - 9 or Older Recent Model Years

    Minimum Loan

    $1,500

    Maximum Term

    36 Months

    Maximum LTV

    100%

    Interest Rate

    8.000%

    Annual Percentage Rate (APR)

    8.194%

    Recreational Vehicle Loan Rates

    Includes Travel Trailers, Fifth-wheel Trailers and Motorized Homes.  Rates and fees are subject to change without notice.

    Rates are effective as of December 05, 2024
    Recreational Vehicle Model Loan Amounts Maximum Term Maximum LTV Interest Rate Annual Percentage Rate (APR)

    Recreational Vehicle Model

    9 Recent Model Years

    Loan Amounts

    $2,000 to $75,000

    Maximum Term

    120 Months

    Maximum LTV

    100%

    Interest Rate

    8.750%

    Annual Percentage Rate (APR)

    8.781%

    Recreational Vehicle Model

    10 or Older Model Years

    Loan Amounts

    $2,000 to $75,000

    Maximum Term

    84 Months

    Maximum LTV

    100%

    Interest Rate

    9.250%

    Annual Percentage Rate (APR)

    9.292%

    Personal Unsecured Loan with QuiloTM

    Capitol Federal has partnered with Quilo™ to make applying for an unsecured personal loan quick and simple.
    • Fixed interest rates
    • No origination or application fee
    • Immediate loan decisions

    Apply Using QuiloTM

    Interest rates and loan terms vary based on credit worthiness, length of term, and loan amount. Longer loan terms and larger loan amounts may result in a higher Annual Percentage Rate (APR). The interest rate and corresponding APR may be reduced by 0.25 percent with preauthorized payment. Certain restrictions apply. Must be a Capitol Federal checking account and debit card holder.

    Unsecured Line of Credit (Overdraft Protection)

    Rates and fees are subject to change without notice.

    Rates are effective as of December 05, 2024
    Loan Amount Maximum Term Interest Rate Annual Percentage Rate (APR)

    Loan Amount

    $500 to $2,500

    Maximum Term

    N/a

    Interest Rate

    18%

    Annual Percentage Rate (APR)

    18.00%