Debt Consolidation Loans

Debt consolidation is easier than you think

Refinance your debt by consolidating high-interest rate credit cards and other debt. See how it works in this debt consolidation loans. If you are interested in consolidating debt, see Consider Debt Consolidation.

Lower your interest paid which may reduce your debt faster

Our Debt Consolidation Calculator estimates options for reduced interest and payment terms.

A loan that’s simple, easy and convenient

Get started by checking your rates. Apply when you’re ready. If approved, you could get your funds as early as the next business day. We offer competitive fixed rates and no origination fees.

Tips for managing your debt

Tackling your debt may be intimidating, but it could help to create a plan and stick to it. We offer a number of tips and resources that can help manage your debt.

  1. Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple debts means you will have a single payment monthly, but it may not reduce or pay your debt off sooner. The payment reduction may come from a lower interest rate, a longer loan term, or a combination of both. By extending the loan term, you may pay more in interest over the life of the loan. By understanding how consolidating your debt benefits you, you will be in a better position to decide if it is the right option for you.
  2. At least 10% of approved applicants qualified for the lowest rate available based on data from 06/01/2021 to 08/31/2021. The rates shown are as of 09/08/2021 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your credit score. The lowest rate available assumes excellent credit history.
  3. To qualify for a customer relationship discount, you must have a qualifying ACFA consumer checking account and make automatic payments from a ACFA deposit account. To learn which accounts qualify for the discount, please consult with a ACFA banker or consult our FAQs. If automatic payments are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.
  4. Annual Percentage Rate will be based on credit history, the amount financed, and the loan term.

Deposit products offered by ACFA Bank, N.A. Member FDIC.

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