Providing Personal Loans for Over 75 Years
Kinsmith Finance and its family of businesses are committed to providing you with solutions for your everyday problems. We provide short-term personal loans with an easy approval process that is primarily based on the ability to maintain contact and to make regularly scheduled payments. We do not base loan approval on credit score, which is different than many of our competitors. Our current loan amounts vary by state, but currently range from $200 to $1000.*
*Where available. We do not offer loans up to $1000 at all locations.
Reasons a person might need a personal loan from Kinsmith Finance:
Many of our customers come to us when they are in a pinch and need a quick and easy solution to their financial needs. Common reasons include: car repairs, rent, clothing, school expenses, vacations, and holiday spending money. Many customers choose to return to us because of the quick and easy process for borrowing again AND because of the excellent service they previously received.
Do not simply take our word for it – read what our customers have to say about their Kinsmith Finance experience.
FAIR & RESPONSIBLE LENDING POLICY
Kinsmith Finance Lending Value
It is Kinsmith Finance’s policy to treat you with professionalism, courtesy and fairness. Our employees strive to offer assistance, encouragement and service in a fair, equitable and consistent manner. The success of the Fair & Responsible Lending Policy (the “Policy”) is the responsibility of the entire organization. This Policy applies across all aspects of lending operations, including advertising and marketing, loan origination, processing, underwriting, closing, and loss mitigation activities.
Kinsmith Finance’s commitment to fair and responsible lending principles is demonstrated throughout the Company’s structure and organization, in employee accountability, through various monitoring and auditing programs and in education and training programs it offers. Kinsmith Finance’s management team is responsible for establishing policies to ensure that operations and business practices reflect our strong commitment to fair and responsible lending, and that all employees are aware of that commitment.
Kinsmith Finance has adopted the Policy to promote compliance with all applicable state and federal laws ensuring fair lending and equal access to credit, including but not limited to the federal Equal Credit Opportunity Act (“ECOA”) and the Federal Reserve Board’s Regulation B (which implements ECOA). The Policy is also adopted to prevent unlawful discriminatory practices in relation to its lending activities.
Kinsmith Finance will not discriminate with respect to any aspect of a credit decision on the basis of race, color, religion, national origin, sex, marital status, disability, age (provided that an applicant has the capacity to enter into a binding contract), receipt of income from any public assistance program, sexual orientation, the good faith exercise of any rights under the federal Consumer Credit Protection Act, or the good faith exercise of rights under any state law allowing or recognizing Registered Domestic Partnerships, Civil Unions, or other such similar unions or partnerships regardless of the title assigned to them. Kinsmith Finance is fully committed to the principle that all decisions related to the granting or servicing of credit should be made with consideration of safe and sound business practices. Kinsmith Finance takes appropriate steps to ensure that this Policy is applied consistently and continuously through all aspects of its credit operations, including advertising and marketing, loan origination, processing, underwriting, closing, and loss mitigation activities.
Happy Holidays from Kinsmith Finance! If you need a boost to your budget to get those most wanted items this holiday season, we can help. Loans from $200 to $1,000, with flexible payments, and great service makes us the company you call for your personal loan needs.