
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
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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
You can complete the whole loan process anytime, anywhere!
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Frequently asked questions
- Does UCU offer any additional resources, products, or services to help with debt? Click On Does UCU offer any additional resources, products, or services to help with debt?
Yes, we offer our members a range of resources to help them manage or get out of debt, including:
- Our financial wellness learning center
- Credit score enhancement tools
- Improve or establish credit with a University Share Secure Credit Card.
- What do I need to do if I am not a UCU member and want to apply for a loan? Click On What do I need to do if I am not a UCU member and want to apply for a loan?
To apply for a consolidation loan, you must be a UCU member. Once you’ve determined eligibility, joining is easy. All you have to do is complete an online membership application and deposit a minimum of $5 into your Regular (Share) Savings Account.
- What are some benefits of UCU membership? Click On What are some benefits of UCU membership?
In addition to the personalized, comprehensive member service and the savings that come with belonging to a member-owned nonprofit financial institution, members also have the potential to earn up to 5.00% APY2 with a University Checking account plus other products.
- What tools are available to help me manage and make payments on my loan? Click On What tools are available to help me manage and make payments on my loan?
With UCU, debt management and loan payments have never been easier. Here are some of the resources available to you to help you with your consolidation loan:
- Digital banking
- Cross-account access
- Direct deposit
With these and other tools, you can schedule automatic payments, review your balance, transfer money between accounts and make convenient payments from anywhere.
- What other loans are available to UCU members? Click On What other loans are available to UCU members?
In addition to our debt consolidation loans, we also offer home and auto loans, personal lines of credit, and student loans.
Latest resources
Account services
Financial tools
Learning center
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.