Secured Form - KDTreeco Loans

Commitment to Responsible Lending: KDTreeco adheres to the Truth in Lending Act (TILA) and provides full transparency regarding APR, total repayment costs, and bi-weekly schedules. We encourage all federal employees to review their net-take-home pay using our Allotment Calculator to ensure any financing fits their long-term budget.

Material Disclosure: Installment Loan amounts range from $200 to $5,000 with loan terms from 6 to 36 months. The average APR for installment loans ranges from 5% to 35%. Minimum APR: 4.89%; Most federal allotment loans fall within the lower APR range due to the security provided by the payroll deduction system.

Representative Example: A loan of $2,000 repaid over 12 months at a 15% APR would result in 12 monthly payments of approximately $180.51, for a total repayment amount of $2,166.12. Actual terms, rates, and fees are determined solely by your matched lender.

Disclaimer: KDTreeco is a secure loan-matching service, not a direct lender. We connect federal and postal employees with participating lenders in our network who make all credit decisions. Our matching service is completely free and will not affect your baseline credit score to check options.