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Consolidation Loans

Consolidation loans

There's an easier way to pay off your debt. You can combine all of your debts into a consolidation loan with one competitive fixed rate and one monthly payment.
Make things simpler with one easy monthly payment. Plus, get our Best Rates in the Nation Guarantee!*

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?

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

You can complete the whole loan process anytime, anywhere!

 Step 1

Step 1

Fill out our easy online application.
Step 2

Step 2

UCU reviews your application.
Step 3

Step 3

Once approved, UCU will set your loan on the path for success and pay your creditors. Choosing auto pay from a UCU checking account will give you an additional 0.25% APR loan rate discount.
Get started about Getting started is easier than you might think

Frequently asked questions

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UCU has been fantastic in every possible way. The staff are friendly and extremely helpful as I have opened joint checking and savings accounts, as well as applied for two car loans. I was able to work with the same person each time I required service within the branch. This really reduced the stress associated with applying for loans and opening new accounts.

– Angela M

    Giving our University Communities a financial advantage
    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, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, The Big West Universities, Western Athletic Conference Universities, Southland 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. 

    Personal Loans

    Go on a honeymoon or vacation or pay for a vehicle repair with a personal loan.
    Learn more about Personal Loans

    Personal Line of Credit

    Pay interest only for funds you actually use with a UCU Personal Line of Credit.
    Learn more about Personal Line of Credit

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