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Consumer Loans

We have your financing solutions.


Home Equity Loan or Line of Credit

If you are a homeowner looking to borrow, a home equity loan or line of credit may be the smartest way to get the money you need. We provide you with the flexibility to use funds as you please, with an affordable interest rate and low closing costs. You also get our characteristic personal service, local decision-making and fast turnaround time.

For more information, check out our products here; to apply for a fixed-rate home equity loan or home equity line of credit, choose a lender to start with here.

Personal Loans

Spend less time arranging your finances, and more time using your new funds to do what's important to you.

Ready to apply? Get started here.

Auto, Truck, RV or Motor Home Loan

  • Traditional loan for the purchase of a new or used vehicle, RV or motor home
  • Fixed rates

Installment Loan

  • Secured or unsecured options
  • Flexible terms, flexible payment options (monthly or biweekly)
  • Fixed rates
  • Eligible for rate reduction if set up with automatic payments

Secured Personal Loan

  • Allows you to borrow money secured by your own deposits or investments at Kennebec Savings Bank
  • Borrow with a lower interest rate, and avoid the losses incurred by redeeming time deposits prior to maturity
  • Flexible payment options (monthly or biweekly, interest-only or amortized)

Personal Line of Credit

  • Available to checking account customers
  • Minimum line of $500
  • Provides overdraft protection after filling out an auto transfer form with us
  • Fixed rate

Credit Cards

Online access to your existing credit card is now available from within Online Banking; for direct access, see below.