Online Personal Loans up to $4,0002021-11-30T13:21:20-06:00

Personal Loans up to $4,000

Apply online in minutes.
Receive a decision in seconds.
Get your funds within one business day.

Apply Now


Loans are issued and serviced by Kendall Bank, Member FDIC.

Personal Loans up to $4,000

Apply online in minutes.
Receive a decision in seconds.
Get your funds within one business day.

Apply Now


Loans are issued and serviced by Kendall Bank, Member FDIC.

Personal Loans up to $4,000

Apply online in minutes.
Receive a decision in seconds.
Get your funds within one business day.

Apply Now


Loans are issued and serviced by Kendall Bank, Member FDIC.

How it Works

With Vault by Kendall Bank, you don’t have to wait days for a decision or deal with pestering phone calls. The entire loan process is conducted online — quickly, simply, securely.

Even with less-than-ideal credit, you could be eligible. Apply now for an instant, no-obligation offer up to $4,000.

1. Apply Online

Complete our simple and secure online loan application in a matter of minutes.

2. Review Offer

Receive a decision instantly and select the loan amount that works best for you.

3. Get Your Money

With just a few clicks, finalize your loan and get funding the next business day.

Why Vault

Simply Smarter.

When you need to quickly deal with unexpected expenses, Vault by Kendall Bank is the smart alternative to payday lenders, title loans, and bank overdraft fees.

You are in control.

Access your available credit whenever you need it. There is no advance fee or annual fee, and you are only charged based on the amount of credit you have drawn, not on your approved credit limit.

You deserve better.

Vault loans are designed to help you successfully make payments, build your credit, and free yourself from the cycle of debt.

Get a decision in seconds.

Get your money as soon as tomorrow.
APPLY NOW
Get Started with Vault

Questions? Concerns?

We know taking out a loan is a big decision, and we want to make sure you get a loan that really works for you. If you have questions, view answers to borrowers’  frequently asked questions.

What is Vault by Kendall Bank?2021-11-16T08:38:10-06:00

Vault by Kendall Bank is a brand of Kendall Bank, offering personal loans designed to help you quickly deal with unexpected expenses, successfully make payments, and build credit.

All loans are issued and serviced by Kendall Bank, Member FDIC.

What kind of loans does Vault offer?2021-11-16T08:44:37-06:00

Vault by Kendall Bank offers personal lines of credit. With a line of credit, you can draw money at any time as long as you have available credit and your account is in good standing. As you pay down your outstanding balance, more of your credit is available to you.

With Vault by Kendall Bank, there is no advance fee or annual fee, and you are only charged based on the amount of credit you have drawn, not on your approved credit limit.

When will I receive my money?2021-02-14T15:46:18-06:00

The exact timing depends on a few things, including how long it takes your bank to credit the payment to your account. That said, with most banks you can expect to see the money in your account based on when you sign your loan agreement:

  • If your loan agreement was signed by 11:00 am Central Time on a business day, you should receive your money by 5:00 pm the same day.
  • If your loan agreement was signed after 11:00 am (or on a weekend or bank holiday), you should receive your money by 5:00 pm Central Time the next business day.

For more information on how the funding process works and when you can expect to receive your funds, visit myvaultloan.com/funding.

How can I reduce the total cost of my loan?2021-11-16T08:53:13-06:00

With a line of credit from Vault by Kendall Bank, you are in control. Here are three simple ways you can lower the total cost of your loan:

1. Only take out as much money as you need at any given time. You are only charged interest based on the amount of credit you have drawn, not on your approved credit limit.

2. Make more than the minimum payment. Even just a few extra dollars with each payment will lower the total amount of interest you end up paying.

3. Whenever possible, pay off your full balance. With no outstanding balance, no interest charges will accrue. (And you can still access your full line of credit whenever you need it again.)

Still have questions about Vault personal loans? Contact one of our friendly loan advisors.

Call: 888-227-1935
8am-5pm Central Time, Monday-Friday

Email: info@myvaultloan.com