Consolidation loans
Take control of your debt with one easy monthly payment
- Get our Best Rates in the Nation Guarantee*
- One balance, one low, competitive fixed rate
- Loan rate discount of 0.25% APR1 with auto pay
- Loan rate discount of 0.25% APR2 by being a repeat borrower
- Apply easily online and get an answer fast
Consolidation loan features
- Competitive, fixed APR3
- Various repayment terms available
- To set your loan on the path for success, UCU will pay your creditors. Choosing auto pay from a UCU checking account will give you an additional 0.25% APR loan rate discount.
Consolidation Loans
| Interest Rate | Terms |
|---|---|
| As low as 9.49% APR | Up to 60 months |
What are consolidation loans for?
- Paying off credit card balances
- Combining multiple debts
- Saving with low, fixed rates
Getting started is easier than you might think
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University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
*UCU guarantees that our lowest loan rate for cars, credit cards, consumer loans, and HELOCs are in the top 5% nationwide as measured in a monthly rate survey by Rate Watch, a part of S&P Global. Rates are subject to approval and based on an evaluation of credit history and other factors specific to your loan (such as loan term, credit score, loan amount, loan-to-value, and length of credit) and may be higher than the lowest rates advertised. Rates are subject to change at any time.
1APR = Annual Percentage Rate. Rate with Automatic Payment from a University Checking Account may be discounted by 0.25% APR as long as the rate does not fall below 9.49%. Credit Cards, HELOCs, and mortgages are excluded.
2Repeat Borrower discount of 0.25% based on minimum 6 months of positive UCU loan repayment history.
3APR = Annual Percentage Rate. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised.