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Debt Consolidation Loans

Rates as low as 7.50% APR*

Available from January 4 through February 28, 2021

Apply Now
  • Hello New Year! Goodbye Debt!

    If you entered the New Year with more holiday bills than you expected and are looking for some financial relief, then look no further. Apply for an AFFCU Debt Consolidation Loan. Loans start at $5,000 and go up to $50,000!

     

    Enjoy this limited-time Debt Consolidation Loan promotion with special low interest rates and simple payment plans. It’s available from now through February 28, 2021 and is a great alternative to high interest credit cards.

     

    * APR=Annual Percentage Rate as of January 4, 2021, subject to change at any time. Loan is subject to credit approval. APR can vary based on creditworthiness and term of the loan. Loan is not eligible for a rate reduction. Membership eligibility required. Offer ends February 28, 2021. Monthly payment is based on payment per $1,000 for term and rate shown above. For debt consolidation loans, estimated monthly payment per $1,000 borrowed at 7.50% APR for 60 months is $20.04.

    • Rates as low as 7.50% APR*
    • Flexible terms up to 60 months depending on amount
    • No payment for 90 days
    • Minimum $5,000
    • Maximum $50,000

    "I have been a member as far back as I can remember and I have been very satisfied. Recently, I ran into a problem and the representative went beyond my expectations. I truly appreciate them. Thank you AFFCU."

    Mary DeGeus
    Ready to apply online?

    You can fill out an application here.

    Apply Now

    FREE Debt Management Interactive Lesson

    Whatever the debt may be, understanding how it works, knowing where to go for help, and making a plan are the keys to help you better manage your debt.

    GET STARTED

    FREE Emergency Savings Interactive Lesson

    Emergencies happen. Building an emergency savings account that is dedicated to handling the unexpected is important.

    GET STARTED



  • Type Debt Consolidation Loan Rates

    Rates Effective as of: 01-26-2021
    Term APR1 as low as Monthly Payment2
    Up to 60 months 7.50% $20.04 Apply Today

    1 APR=Annual Percentage Rate as of the effective date and subject to change at any time. Loan is subject to credit approval. APR can vary based on creditworthiness and term of the loan. Loan is not eligible for a rate reduction. Membership eligibility required. Offer ends February 28, 2021.

    2 Monthly payment is based on payment per $1,000 for term and rate shown above. For debt consolidation loans, estimated monthly payment per $1,000 borrowed at 7.50% APR for 60 months is $20.04.

How can we help you succeed?

  • What would you like to borrow for?
    • A home
      • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
    • A vehicle
      • Cool! Are you looking for a regular car, or something a little more adventurous?
        • Something adventurous
        • A regular car is fine with me
          • Sounds good! We have low rates available for both new and used
            Auto Loans. We can also Refinance your current loan with another institution.
    • An education
      • Right on! We have Student Loans available through our trusted partner, Sallie Mae.
    • Something else
      • Sounds good! Are you more interested in a lump sum or a line of credit?
        • Lump sum
          • Terrific! We offer Personal Loans for any need, including weddings, vacations, and debt consolidation.
        • Line of credit
          • Great! We think you’ll love our Redi-Credit option. It’s a flexible line of credit, where you’ll only pay interest on what you spend.
    • I’m mostly interested in a credit card
  • What would you like help with?
    • Accessing my accounts
      • Okay, how would you like to access your accounts?
        • Online
          • Ok! Is this is your first time using Online Banking?
            • Yes
            • No
              • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
        • On my mobile device
    • Opening a checking account
      • Great! We have several options available, so head over to our Compare Checking Accounts page to figure out which is right for you.
    • Signing up for eStatements
      • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab (in the blue menu bar) to start enrolling.
    • Running my small business
      • Good for you! Our partner Newtek offers a variety of services to help you manage your small business, including payrolls services, payment processing, and web design.
    • Getting insurance
  • What would you like to save for?
    • The holidays
    • I’d like to open a savings account for my child
      • Great idea! We have several Youth Savings accounts available, depending on your child’s age.
    • Something else – and I’d like to earn a good interest rate
      • Do you have some money saved up already?
        • Yes, quite a bit
          • Nice! Are you okay with leaving your money untouched for a while?
            • Sure
              • Great! We think you might like one of our Share Certificates. You agree to leave your money untouched for a while in exchange for a higher interest rate.
            • I’d prefer to make withdrawals when I need to.
              • Sounds good. Check out our Elite Checking account or Money Market account. These accounts are a little more flexible, but still get you a higher rate.
        • Not much
          • No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
    • I’d prefer just a basic savings account
      • Ok! Our Regular Savings sounds just right for you. It also secures your AFFCU membership.