Frequently Asked Questions

Your Application

What do I need to apply for a loan?

You must be at least 18 years of age, have an active and valid checking account, current employment or proven source of income, an email address, and a verifiable phone number.

What type of bank account do I need to qualify for a loan?

In order to successfully complete our application, you need a valid checking account that accepts both credit transactions and ACH debit. Please contact your bank directly if you are unaware whether your bank account accepts these transactions.

When do I get the results of my application?

Once you choose your desired loan with our handy loan slider, your results are available within seconds of completing the simple application (subject to verification) .

Where do I find the status of my loan application?

You can login into your account page by clicking on the "Sign In" button at the top of each page or by clicking on Here. Once logged in, you can find the status of your application and update your information.

What if I do not qualify for a loan through Kener Lending?

If we are not able to get you the loan you want, we may refer you to other outlets that may be able to help. If you don’t want us to provide you with other options, just let us know. We'll always ask before we share any of your information.

Your Loan Information

How much money can I borrow?

Our loans range from $100 to $1,500. Details vary by state and your Kener Status. First time clients are entitled for maximum amount of $1,000. For more information visit our Rates and Terms page.

How quickly can I get the money?

Applications processed and approved before 4 p.m. CST (M-F) are typically funded the next business day (subject to your bank).

How much does my loan cost?

Details vary by state and your Kener Status. More information regarding loan fees can be found on our Rates and Terms page.

What if I decide I no longer want the loan?

You have the option of rescinding your loan, at no charge, if you return your entire loan proceeds within the number of days specified in your loan agreement.

Paying Back Your Loan

What if I don’t make one of my payments on time?

Your payments will be electronically debited from your checking account, unless you make alternate arrangements before your due date. Please contact Customer Support if you’re unable to make a payment on time.

If you are in default 10 days after the due date, we will charge a one-time late fee of 5% of the outstanding balance or $7.50, whichever is greater.

Be sure to contact us as soon as you think you may be late, if there are insufficient funds on deposit in your bank account to effect a payment on the payment date, in Texas the lender will assess you a $25.00 NSF charge.

Can I pay my loan back early?

You may pay your loan back early by signing in to your My Account page and using a debit card. There are no early termination fees and, in fact, you will earn Kener Status Points.

What does automatic repayment mean?

Your payments are automatically debited from your bank account when they are due. As a reminder of the upcoming withdrawal, you will receive a text message and an email notification prior to your due date. You may also log in to your account and pay off your loan early using a debit card.

If you received your funds instantly through a debit card, your payments will be debited from the debit card account initially provided.

What if I do not have enough money to pay my loan back on time?

If you run into a problem paying back your loan, please contact us at least 24 hours before your due date to discuss your repayment options. You can always contact us via:


What happens if I don't pay my loan back?

We value you as a customer, and hope you make every attempt to pay your loan back on time. If you have not done so already, please contact us immediately to discuss your payment options.

Failure to repay a loan can result in:

  • Reporting your delinquency to the appropriate credit bureaus;
  • Taking of possible legal action;
  • Involvement of outside collection agencies;
  • Suspension of your access to our lending services; and
  • Accrual of additional interest charges and fees associated with missed payments and/or declined charges.


Your Kener Status

What are Kener Status points?

We allow you to earn points by performing certain activities and transactions with your Kener Loan. Making your loan payments on time or signing in with Facebook improve your Kener Status. As your Kener Status improves, your interest rates decrease and your loan limits increase. Visit your Account Info page to see your current status for more information.

How do I increase my Kener Status?

You increase your Kener Status by earning these points*:

Apply for a loan
100 pts
Make your first payment on-time
200 pts
Repay your first loan
600 pts
Pay extra principal (1st time only)
25 pts
Pay down your loan before due date
25 pts
Refer a friend who takes a Kener Loan
250 pts
Share your Facebook information
100 pts
Download the Kener Lending mobile App
200 pts bonus

* The Kener Status system and associated status points awarded may change on a moving forward basis. Don’t worry, if you have already earned the points, we will never take them back.

What does my Kener Status give me?

When you reach a Kener Status improvement we offer your even better loans at better rates.

Do I get status points for referring a friend?

Yes, you will get 50 Kener points when your friend gets approved for their first loan. In addition you will get 200 Kener points when your friend repays his first loan.

Your Privacy

How is my personal information protected?

All of your information is protected on our secure servers, we are using Secured Sockets Layer (SSL) based transaction at a level of 128-bit.

To learn more about how we protect your personal information, please visit our privacy policy.

Loan Amount

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