Credit Mender Loan

The ideal loan when you have a spotty credit history
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Loans with repayment terms up to 36 months
3.99% APR
Apply for a loan between $500 and $2,500 for any purpose
Funds are deposited into your KeyPoint savings account
Pay off your loan first, and then access the money in your account

Borrow money and repair your credit – all with one loan

It can happen to anyone. Financial difficulties arrive and your credit rating takes a hit. This often means you can't qualify for a loan, but not at KeyPoint Credit Union. Our Credit Mender Loan is meant for these situations, providing a loan and the chance to rebuild your credit with on-time payments. The key point is that you need to pay off the loan before you can access the money. 

  • Funds are deposited into your KeyPoint savings account to grow during your repayment period 
  • Paying off your loan on time can increase your credit score, making it possible to qualify for additional loans later 
  • Put the money to use anywhere you need it

KeyPoint Credit Union personal loans offer flexible financing for life’s expenses, from debt consolidation to unexpected costs. Conveniently serving the San Francisco Bay Area, Santa Barbara County and beyond.

Mend your credit to strengthen your finances
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Love it here. I've never had to wait a long time to talk to someone. A+ credit union.
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Frequently Asked Questions

Credit card and other loan payments can be made through Online or Mobile Banking, over the phone, or sent by mail to KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Don’t have Online Banking? Sign up today! 

Access your account online from your laptop, tablet or personal computer. Online Banking is secure, free, and available 24/7. You can also use our mobile app. After you enroll, you can take care of your banking tasks at your convenience: 

  • View current account balances and transaction details
  • View and export transaction history 
  • Pay bills
  • View check images
  • Transfer money between your own accounts, and accounts of other KeyPoint Members 
  • Send money to anyone via an email address or cell phone
  • Transfer funds between your KeyPoint accounts and your accounts at other financial institutions
  • View eStatements, eTaxes and other electronic documents 

You can also download KeyPoint's mobile app from the App Store or Google Play, and Register directly on the app.

Most loan applications are approved within the same business day that you apply.

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer! 

KeyPoint has personal loans and lines of credit that can be used for a variety of purposes, such as consolidating bills and paying for large expenses like weddings and medical bills. 

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer! 

Loan qualifications vary depending on the type of loan you need. The best way to find out if you qualify for a loan is to apply. There is no cost to do so, and our staff will work with you to look for ways to get your loan request approved.

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer!

Yes, we offer student loan refinancing. Learn more about student loan refinancing.

We make it easy to stay on top of your loan — and even easier when you choose recurring electronic payments.

Preferred Payment Options:

KeyPoint Credit Union Mobile Banking is a secure, convenient way to access your accounts and pay bills anytime, anywhere, using your mobile device. 

Other Ways to Pay:

Pay from an Outside Account.  Set up electronic transfers by providing:

  • KeyPoint’s Routing Number: 321180515
  • Your KeyPoint Loan Number
  • By Mail: KeyPoint Credit Union, ATTN:  Loan Payments, 2150 Trade Zone Blvd, Suite 200, San Jose, CA 95131.  Include your loan number or payment coupon. Checks or money orders only.
  • In Person: Visit a branch near you.  Find a Location

 For principal-only payments, loan payoffs, or payments to special or restricted accounts, please contact us at [email protected] or (888) 255-3637 x4252.

If you lost your credit or debit card, please contact us immediately so we can block the card and prevent fraud on your account. You can receive a new card instantly at any KeyPoint branch! If you would like us to mail a new card, it will take three to five business days. 

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back. A Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

KeyPoint has three great credit cards to meet your needs: A low-rate Visa® Platinum or Classic card, and a Visa® Platinum Rewards card. There is no annual fee, no balance transfer fee, no cash advance fee, and easy online access. Credit limits range from $500 to $25,000. Click here for more information or apply for a credit card online.

If you applied online, you can log back into our online application system to see if there is an updated status (although we will call or email you as soon as we have a decision). 

You can also contact us for an update!

  • Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back. A Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 
  • Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.
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Rates as of 3/1/2026. All loans subject to approval. Rates, terms and loan product availability subject to change without notice. Payment example: Pay $29.52 per month for $1,000 borrowed at 3.99% APR for 36 months. FICO scores are set and adjusted by consumer reporting agencies based on a number of factors including payment history reported by lenders. KeyPoint Credit Union will report your payments on this loan to consumer reporting agencies, but we cannot guarantee the impact of this loan on your FICO score. KeyPoint Membership required.

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