Yes! You can call us at 1-800-422-5852 to make your Kitsap Credit Union loan payment over the phone, fees may apply. 

For all the ways to make payments, including free options, visit https://kitsapcu.org/make-a-payment/

Many loans can be paid off early without penalty. Review your loan agreement for details regarding prepayment terms and applicable fees. Contact us if you need additional assistance.

Yes. We can apply a payment to your loan account from a third party. They would need your name and loan account number. We would not provide the third party with any of your personal or account information.

 

Yes. If GAP insurance pays more than the remaining loan payoff amount, any excess funds may be returned and deposited into your savings account, according to the terms of your account and applicable regulations. 

It is important to keep making the payments on your loan even after a GAP claim is filed to protect your credit.

You can verify your account balance anytime by logging into the online banking app.

At this time, we do not offer secured credit cards, however, we do offer share-secured loans to help members build their credit. A share secured loan is a loan secured by money you have in a savings or certificate account. This will reflect as a loan on your credit report and with consistent, on time payments it can help your credit rating over time.

To apply or for more information, visit Personal Share Secured Loan

Kitsap Credit Union does offer debt Secured and Unsecured Loans, Personal Lines of Credit, Home Equity Lines of Credit, Overdraft Lines of Credit, and Visas for our members to consolidate bills and pay off other debts. This may include personal loans, home equity loans/lines, or even a first mortgage.

If you would like to discuss options before applying, call  Member Specialist at 360-662-2000 or 800-422-5852. They are trained to assess your personal situation and decide what loan type fits best.

Though we have many convenient loan options, we do not offer payday loans. Typically offered at extremely high interest rates, payday loans can be very costly and are not in the best interest of the consumer. We do offer several types of personal loans that may provide you with the funds you need. 

If you would like to discuss loan options, you can call our Member Specialists. They are trained to assess your personal situation and decide what loan type would fit best.

You can also visit our Loan page for more information.

Loan payments can typically be made online, through mobile banking, by phone, in person, or through automatic payment services depending on your account setup.

Visit our Payment Options page for all the ways to make your payment.

 

A 10-day payoff amount includes your remaining loan balance plus accrued interest calculated through a specific date. Because payoff amounts change daily, contact Kitsap Credit Union for the most accurate payoff information.

Loan qualification requirements vary depending on the loan type. Factors such as income, credit score, debt-to-income ratio, employment history, and collateral may be considered during the approval process.

The best way to find out if you qualify for a loan is to apply.

 

 

We would be happy to review your loan account for a possible due date change. To be eligible for a change, several requirements must be met including having the current month's payment already paid. 

Please note: Loan due date changes are not eligible on Visa, Overdraft Lines of Credit, Personal Lines of Credit, or Home Equity Lines of Credit.

To have your account reviewed, please contact us.

You can check the status of a loan application by:

1. Visiting the Kitsap Credit Union homepage. Simply scroll to the bottom of the page and select the "Check Application Status" link.
   
2. When the new page loads, enter your last name, email and SSN.
   
   OR
    
3. Calling our contact center at 800-422-5852

 

To obtain a loan payoff please contact us directly or visit any convenient branch location to ensure you receive the most accurate up to date information.

 

Loan approval times vary based on the type of loan and application details. Many loan decisions can be made within a few hours, while others may require additional documentation or review.

We can usually have your loan decision within a few hours.

Kitsap Credit Union offers a generous grace period for our members with loan accounts. As long as the full payment is made within 15 days of the due date there will be no late fee added.

Your loan agreement documents will specify when your first payment is due and the amount of late fee that would apply to your account. Alternatively, you can contact us and we can provide it for you.

Remember, as a member, you have convenient online options for making your monthly loan payments.

A loan reset is a benefit to qualifying auto and personal loan holders to modify the terms of their loan. Resetting the loan could lower the monthly payments and is only available through email. Emails are sent to qualifying members that meet certain criteria each month. 

Yes! Please contact us to request for the email to be resent. 

No. Resetting your loan does not affect your credit. We already have all the information necessary for your loan reset.

We understand that unforeseen things may happen that may hinder your ability to make your loan payment. We are here to help. Please contact us so we may assist you with options for your Kitsap Credit Union loans.

One possible option is our Skip-A-Pay. If your loan meets a few qualifications, you may be able to defer your monthly payment for a fee with our Skip-A-Pay option.

 

No. Each loan can only be reset once. If you need to refinance your loan, you can contact us.

 

Yes. For auto and personal loans, the modification request is not considered complete until both members electronically sign the documents. 

Visa accounts using the reset email to process balance transfer requests only require the primary card holder to electronically sign the request.

Web Payment Center allows you to make a Kitsap Credit Union loan payment with or without creating a Web Payment Center account. Please review our current Rate & Fee Schedule for the current Pay by Website Fee.

Creating an account with our Web Payment Center  allows you to:

• Set up recurring automatic payments.
• Securely save your payment information for future online payments.
• View previous payment history of payments made via your Web Payment Center account.

 

To make a payment via the Web Payment Center you will need:

• Your Member Number. This is the same as your six digit account number.
• The primary account holder’s last four digits of their Social Security Number and their date of birth.
• A phone number and email address.

 

First time users can register to create an account.

From the Web Payment Center, select Register and complete the steps to register for an account.

 

To make a payment without creating an account.

From the Web Payment Center, select Express Pay and complete the steps to make a loan payment.

 

Web Payment Center FAQs:

• When I register, I receive a message "We could not find your account details."
  • Check that the name, member number (account number), Social Security Number, or date of birth of the primary account holder.
• I'm trying to make a payment with my Visa Credit Card and it's not working.
  • Only Visa Debit, MasterCard, and Discover are eligible for loan payments.
• I forgot my password, how can I reset my account?
  • From the Web Payment Center log in page, select "Forgot Your Password?" link and follow the steps to reset your password.
• What if I no longer have access to the email used on my account and need to reset my password?
  • You can create a new account with your new email address by selecting Register and registering for a new Web Payment Account. You will be able to connect to your loan with us during the registration process.

 

Loan applications may require proof of income, identification, employment information, and other supporting documents depending on the type of loan requested.

To make a payment to your loan with us, you'll need your loan account number and our address which is PO BOX 990, Bremerton, WA 98337. 

Tip: All Kitsap Credit Union loan accounts have a savings account attached. For future payments, set up direct deposit into your savings account and set up an automatic transfer from savings to your loan account in online banking.

 

Your loan payoff amount is the total amount required to fully satisfy the loan balance, including principal, accrued interest, and any applicable fees. Because interest accrues daily, payoff amounts may vary depending on the payment date.

 

 

At Kitsap Credit Union we care about your financial wellness. Depending on your financial situation, you may still qualify for a personal loan, auto loan, or other financing after bankruptcy. Eligibility requirements vary based on factors such as income, credit history, and the type of loan you are seeking.

Yes! Kitsap Credit Union offers special programs for first-time homebuyers, including low down payment options and government-backed loans like FHA loans, making homeownership more accessible and affordable. Learn More

Yes! Kitsap Credit Union offers refinancing options that may help you lower your monthly payments, reduce your interest rate, or gain access your home’s equity. Our team is here to help you find the best solution for your financial goals. Learn More

You can apply for a home loan online, over the phone, or in person at a Kitsap Credit Union branch. Our Mortgage Consultants are ready to guide you through every step of the process. Learn More

Get pre-qualified with Kitsap Credit Union by providing basic financial information. This quick and easy process gives you an estimate of how much home you can afford, helping you shop with confidence.  Learn More

Finding the perfect home loan starts with understanding your unique needs—like your down payment, credit score, and whether you're a first-time buyer or a veteran. At Kitsap Credit Union, our expert loan specialists are here to guide you every step of the way, helping you explore the best options for your homeownership journey. Learn More

An FHA Loan is a great option for first-time homebuyers and those with lower credit scores. Backed by the Federal Housing Administration, it features lower down payment requirements and flexible qualification criteria, making homeownership more accessible. Learn More

A fixed-rate mortgage keeps the same interest rate throughout the loan term, providing predictable monthly payments. An adjustable-rate mortgage (ARM) may start with a lower initial rate, but the rate can adjust periodically based on market conditions. Learn More

A USDA Loan is a great option for homebuyers with geographical or income limitations. Backed by the U.S. Department of Agriculture, this loan helps make homeownership more affordable for qualified borrowers. Learn More

Private Mortgage Insurance (PMI) is typically required on all loans if your down payment is less than 20%. It protects the lender in case of default but can often be removed once you build enough equity in your home with the exception of FHA loans.

A Conventional Loan is a great option for borrowers with strong credit, as it’s not insured by the government and typically requires a higher credit score. If you're looking for more flexible options, government-backed loans—like FHA, VA, and USDA loans—offer benefits such as lower down payments and more accessible credit requirements to help make homeownership possible. Learn More

A home purchase loan helps you finance the purchase of a new home, while a home equity loan lets you borrow against your current home's value to fund other financial needs—like renovations, debt consolidation, or major expenses. Learn More

Pre-qualification provides an initial estimate of your borrowing power based on basic financial information, while pre-approval involves a more detailed financial review. A pre-approval gives you stronger buying power with sellers, making your offer more competitive. Learn More

At Kitsap Credit Union, we offer a variety of home loan options like purchases, refinances, and more —including Conventional, FHA, VA, USDA—designed to fit your unique home financing needs. Let us help you find the right loan for your journey to homeownership.

A VA Loan is an exclusive benefit for eligible military service members, veterans, and surviving spouses. Backed by the U.S. Department of Veterans Affairs, it offers no down payment, competitive interest rates making homeownership more affordable for those who have served. Learn More