Kasasa Reviews

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Updated May 22, 2026

By: Amanda Futrell

+1 more

Edited by: Liz Bingler

About Kasasa

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Kasasa is a financial technology and marketing services company that works with community financial institutions, such as local banks and credit unions, to enhance an institution’s personal loans and deposit accounts. Its products are designed to help financial institutions grow and improve engagement by offering more competitive loan and deposit products to consumers.

Pros

Take-Back loan feature provides flexibility for consumers
Product integration with an institution’s online platform
Easy to add Take-Back feature to new or existing loans
Can use Take-Back loans to promote deposit accounts

Cons

Kasasa is not a direct bank or lender
Loan rates, terms and fees vary by lender

Our editor’s take

Kasasa is not a bank or lender, and it’s not involved in loan credit decisions, funding or servicing. Instead, it sells loan, deposit and other banking products to community financial institutions to help them enhance their product offerings, which may help them gain and retain customers. Kasasa may be worth considering for small financial institutions that are struggling to offer competitive products or retain customers.

Kasasa products and services

Kasasa offers a personal loan product called a Take-Back loan and a checking and savings account product called Kasasa accounts.

Take-Back loans

According to Kasasa, Take-Back loans are designed to provide consumers with a financial safety net. Banks and credit unions can add Kasasa’s Take-Back feature to their personal loan products to make them more appealing to borrowers.

With a Take-Back loan, even if prepayments have been made to lower overall interest expenses, those additional funds can still be accessed later, or “taken back,” without incurring any fees. That way, the borrower still has access to funds if they need it.

Kasasa accounts

Kasasa also offers checking and savings account products to enhance banks’ and credit unions’ current deposit account offerings. Kasasa accounts don’t require a minimum balance or monthly maintenance fees. Account holders can earn debit card rewards, cash back on select types of purchases and interest on checking and savings balances.

Kasasa personal loan requirements

Loan requirements vary depending on the financial institution since Kasasa is not a direct lender. Personal loan criteria may depend on financial history, employment, credit history, income and other factors. You’ll also generally need to be a U.S. citizen or permanent resident who’s at least 18 years old.

Kasasa personal loan rates and fees

Loan rates, fees and terms vary by lender and may depend on factors other than credit scores. Generally, borrowers with higher credit scores and stable income will typically qualify for the best annual percentage rates (APRs).

Note that some lenders may charge late fees, insufficient funds fees or membership fees.

FAQ

Where is Kasasa available?

Kasasa products are utilized at a variety of banks and credit unions. Some of Kasasa’s clients include Atlantic Federal Credit Union, Evergreen Credit Union, Williamstown Bank and Jolt Credit Union. You can use its find Kasasa tool to find a bank or credit union near you that offers Kasasa products.

Are Kasasa accounts FDIC-insured?

All Kasasa accounts are offered by a financial institution that’s either insured by the Federal Deposit Insurance Corp. (FDIC), the National Credit Union Administration (NCUA) or American Share Insurance (ASI).

Can you apply for a personal loan with Kasasa?

You can’t apply for a personal loan with Kasasa since it’s not a direct lender, though you may be able to get its Take-Back loan through one of its bank or credit union clients.

Still have questions?

Is Kasasa legit?

Kasasa is a legitimate fintech company that offers personal loan, deposit account and banking products to financial institutions. Kasasa's Take-Back option lets borrowers pay ahead to reduce debt and then withdraw that money later on, if and when they need it. This may make loans more attractive to some consumers, which may help an institution gain more customers.

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