Kasasa Loan 

Introducing the only loan with take-backs™.

You know it’s smart to pay off your loan faster. But what if you need that extra cash later for other things? With a Kasasa Loan™, you don’t have to worry. You can pay ahead on your loan with confidence (and save on interest), knowing you can take those extra funds back if needed, at any time.

All this flexibility is backed by a mobile-friendly dashboard that lets you know exactly where you stand. Get funds for just about anything. Pay extra to save on interest. Take back extra money when you need it. The Kasasa Loan — a personal loan that puts you in control.

See the Kasasa Loan in action!


  • Pay ahead to pay off your loan faster and reduce interest costs

  • Additional funds (your “take-back fund”) are always available to withdraw at a click of a button, with no penalties or fees

  • Your rate remains the same and your payoff schedule adjusts automatically

  • Maintain anytime control of your loan with a mobile-friendly personal dashboard

  • The simple interface shows you a real-time view of where you stand at any given point

  • Easily visualize the impact of changes you’re considering before you make them

  • Track, make extra loan payments, or withdraw the extra funds with a click of a button

  • Competitive, fixed rates for a wide range of needs:

  • Home improvements

  • Vehicle repairs or updates

  • Family vacation

  • Education expenses

  • Personal projects or startups

  • Major life events

  • Debt consolidation

  • Medical expenses

  • And more!

How It Works

Pay ahead. Take it back. Finally, a loan that’s built for real life.

  1. You can choose to pay the minimum monthly payment and stay right on track.

  2. Or, if you have extra funds, you can put them toward your balance to pay it off sooner and save on interest.

  3. If something comes up, you can easily withdraw any extra you’ve paid with the click of a button.

  4. The funds are transferred into your chosen account, and your payoff schedule adjusts automatically.

Get the loan that gives you options.

You can also apply by visiting a branch or calling us at 800-954-BEAR (2327). You must be a credit union member and have an open Savings Account with us in order to qualify for a loan.

  • Simple Loan Calculator

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    Enter the term, rate and loan amount; the loan payment will be calculated for you.



    *The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

Loan Description: A Kasasa Loan is an innovative fixed rate, fixed term loan that provides consumers with an opportunity to lower their overall interest expense or create an open-end, revolving line of credit, by making payments that are in excess of the loan’s scheduled monthly payments.   Unlike traditional loans, consumers who have met each of their required schedule payments, can borrow against these excess funds – at the same interest rate as their initial Kasasa Loan – to address unexpected needs (i.e. car repairs, health issues) or take advantage of opportunities (i.e. college acceptance) that may arise.  The loan’s available credit limit will be specified in each periodic statement issued by our institution.

Loan Rates & Term: Kasasa Loans are subject to credit approval by our institution.  Many factors affect credit approval and the interest rate you may receive.  Upon approval of your application, your loan’s Annual Percentage Rate (APR) will be established and will not change throughout the life of your loan. Should your application be approved, your Kasasa Loan will begin on the day you sign our loan agreements and will continue until the maturity date or until you have a zero balance in your loan account.

Loan Interest Charges & Fees:  Interest will begin to accrue, with no grace period, on the date advances are posted to your loan.  We use the daily balance method to calculate the interest on your account.  Your daily balance is determined by adding any new advances, charges or unpaid accrued interest to the day’s beginning balance and then subtracting any payments or credits that are made.  We determine your interest charges by applying a daily periodic rate (i.e. APR / 365) to each daily balance within a billing cycle.   In addition to interest, you will also be charged a fee of $xx.xx for time you are late on a scheduled payment and a fee of $xx.xx for every payment that is returned due to insufficient funds.

Application of Loan Payments:  All payments are applied first to any accrued interest, then to the loan’s principal, then to any outstanding fees and finally to create or retire the loan’s revolving line of credit.

Additional Information: Membership restrictions may apply.  To qualify, a borrower must be at least 18 years old, a U.S. citizen or a permanent resident and must meet our institution’s underwriting requirements.  Not all borrowers receive the lowest rate.  To qualify for the lowest rate, you must have a responsible financial history and meet other funding criteria.  If approved, your actual rate will depend on a variety of factors including the term of the loan, your financial history, years of professional work experience, income and other factors.  Rates and terms are subject to change at any time without notice and are subject to state restrictions.  Contact one of our credit union loan representatives for additional information, details and loan application.