Ditch the debt drama
With debt consolidation loan rates as low as 7.99% APR1,2,3, slash your payments and your stress level.
Hit the reset button on your finances
A debt consolidation loan is a smart and affordable way to get back on track for the new year. Combine your existing loans into one payment, get a lower interest rate and monthly payment, plus pocket up to $1,000 cash back to kick off the holiday shopping season.
- Fixed rates as low as 7.99% APR1,2,3
- No payments for 90 days4
- Cash back up to $1,000 over consolidated debt
- Borrow up to $50,000
- 12- to 60-month terms available1
Is a debt consolidation loan right for me?
Use this calculator to estimate your monthly payment if you were to consolidate your higher-interest debt into a single payment at a lower rate with a personal loan. You can compare monthly payment amounts and potentially pay off your debt faster.
1Promotional offer valid October 6, 2025, through January 31, 2026, on loan terms up to 60 months. Annual Percentage Rate (APRs) range from 7.99% to 19.74%. Advertised “as low as” APR assumes excellent borrower credit history and includes the auto pay discount and controlled payoff discount. Your APR may vary based on several factors including your creditworthiness or the length of the loan term and could be higher than the stated rate. Ask a Loan Officer for details on how your rate is determined. Members may be eligible for a .25% controlled payoff rate discount. A controlled payoff is where the Credit Union disburses loan proceeds directly to creditors at closing to pay off account balances included in the debt consolidation. Members must provide accurate payoff letters of consolidated accounts prior to loan closing. Accounts eligible for debt consolidation must be listed on the credit report and include the applicant’s name as a primary or joint owner on the account payoff letter. Members can request to receive up to $1,000 above the consolidated debt total disbursed directly into their account. Loans are subject to final credit approval. Additional terms, conditions, and limitations may apply. A Debt Consolidation loan financed for 24 months at 11.24% APR would have a monthly payment of approximately $46.72 per $1,000 borrowed. Promotional offer cannot be combined with any other offer.
2Member must establish automatic loan payments on their Debt Consolidation Loan from a Georgia’s Own checking account to qualify for the .25% Auto Pay rate discount.
3All consolidated debt is subject to controlled payoff to qualify for the 0.25% controlled payoff rate discount. A controlled payoff is where the Credit Union disburses loan proceeds directly to creditors at closing to pay off account balances included in the debt consolidation. If loan proceeds for the consolidated debt are disbursed directly to the Member, they will not be eligible for the controlled payoff rate discount.
4No payment period is only applicable on Debt Consolidation Loans, and to the first 90 days of the loan. Interest will begin to accrue as of the loan date.
