A lower rate might be closer than you think.

Find a better loan.Somewhere close to home.

Kairos connects you with local credit unions and community banks that may be able to lower the cost of your debt.

Check my savings

Free to check. No awkward calls around town.

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How It Works

Finder a better rate shouldn't mean calling every lender in town.

1. See what you could save.

Tell us a little about your current debt and estimate how much a lower rate could save you.

Step 1 illustration

2. Find local options.

We look for participating credit unions and community banks in your area that offer the kind of loan you're looking for.

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3. Choose what works for you.

Compare your options and connect with the lender that makes the most sense. No neighborhood pool party full of bankers.

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We're not a lender, but we know where they hang out.

Kairos brings together the best local credit unions and community banks so you don't have to.

Let's do some math

See how the numbers add up and find the best deal for you.

Credit Card Savings Calculator