Personal Loan Image

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 purchase – whether it be vacation, an older model car 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

Simply download and complete the application. Then, you can hand deliver or mail your application to any of our local branch offices. Or, fax your complete application to 785-270-6024.

Open an Account

Open an account at any of our branch locations. Enter your zip code to find a CapFed® branch nearest you.  


Have questions about which account is best for you?  

Contact Us

personal unsecured

Rates and fees are subject to change without notice. Rates are effective as of July 4, 2016.


Loan Amount Maximum Term Interest Rate Annual Percentage Rate (APR)
$1,000 to $5,000 24 months 14.500% 16.524%
Download Application

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 $246 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, with a minimum of $25. Borrower is also responsible for other closing costs, which average approximately $3. These costs are added to the loan amount and are not required to be paid out-of pocket.


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Let Us Do It For You

Save time and let us auto-deduct your loan payments with pre-authorized transfers.  

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Borrow Against Your CapFed® CD

Borrow against your Capitol Federal® fixed rate Certificate of Deposit (CD) with interest rates at 2.00% above the current interest rate of your CapFed® CD. 

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*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 $246 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, with a minimum of $25. Borrower is also responsible for other closing costs, which average approximately $4. These costs are added to the loan amount and are not required to be paid out-of pocket.