APR = Annual percentage rate. Creditworthiness and loan amount will determine actual APR. Rate quoted is a 6-month introductory rate. Thereafter, the rate will be variable and can increase.

All rates are subject to change without prior notice.

Debt Consolidation Loan

Debt Consolidation


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Debt Consolidation Loan

  • Summary
  • Benefits
  • Resources

If you have multiple loans with different lenders1, borrow up to USD 150,0002 to consolidate them and reduce your monthly payments.

A UNFCU Debt Consolidation Loan is available with either a fixed or variable annual percentage rate (APR) to best meet your needs.

Guides to Consumer Loans:
A UNFCU Debt Consolidation Loan offers the following benefits:
  • Simplified payments by consolidating your outstanding loans, you can repay them with single monthly payments.
  • Flexible terms. Choose between a variable or fixed interest rate for this unsecured loan to consolidate other outstanding loans and credit card debts.
  • Flexible payment options so you may pay off your loan balance at any time. For your convenience, you can also choose to make automated loan payments from your accounts.
  • Peace of mind with FREE Credit Life Protection up to USD 55,000 per member.
Peace of Mind

Credit Disability Debt Protection
Alleviate the worry of making your loan payments in the event of lost income due to an unexpected disability.

  • Debt Consolidation
    This calculator is designed to help determine whether debt consolidation is right for you.
  • Compare Loans
    Use this calculator to sort through the monthly payments and other costs associated with getting a new loan.
  • Loan Amortization
    Enter your desired payment - and let us calculate your loan amount.
  1. Keep in mind that your new loan may carry a higher interest rate than some of your previous individual loans and may be subject to additional terms and restrictions.
  2. Your approved loan amount could be less than the amount you requested due to other loan obligations you have with UNFCU and other factors. UNFCU lending policy permits a combined individual maximum amount of unsecured credit extended to be no greater than USD 150,000 or USD 225,000 including unused lines of credit, if the applicant has or is applying for an International Home Loan.