Debt Consolidation Made Easy
Simplify your life! Consolidate your debt into one monthly payment with a Garden Island FCU personal loan.
Personal Loans
Rates as LOW as 5.50% APR*
Borrow up to $30,000.00 for whatever you need
Flexible repayment term of up to seven (7) years**.
We have free options to make your monthly payment easy for you:
Payroll deduction
Set up recurring monthly transfers from your Garden Island FCU accounts to your loans so it’s out of sight, out of mind!
Transfer payments 24/7 using our free online banking or mobile banking app
|
Loan Term |
Loan Amount |
Annual Percentage Rate (APR*) |
|---|---|---|
Up to 84 Months |
Up to $30,000.00 |
5.50% - 16.99% |
Ready to apply for a personal loan?
Frequently Asked Questions
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Debt consolidation involves combining multiple debts into a single loan, often with a lower interest rate, to simplify payments and potentially save on interest.
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You take out a personal loan and use the funds to pay off your existing debts. Then, you make a single monthly payment on the new loan.
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You can consolidate various types of debt, including credit card balances, medical bills, personal loans, and auto loans. The choice is yours!
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Benefits include lower interest rates, a single monthly payment, reduced stress, and it can improve your credit score.
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Debt consolidation may be a good option if you have multiple high-interest debts and want to simplify it into one monthly payment.
*APR = Annual Percentage Rate. Stated APR assumes excellent borrower credit history. All loans are subject to credit approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. **Term length is up to 7 years (84 months) and may vary based on creditworthiness, qualifications, and collateral conditions. Additional terms and conditions may apply. Garden Island Federal Credit Union is federally insured by the NCUA.