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Consolidate Your Debt with a Personal Loan

January 1, 2023

Starting the new year off on the right financial foot is a great way to set yourself up for success in the future. One of the best ways to do this is to consider consolidating your debt with a Personal Loan at Neighborhood Credit Union. Doing so can provide several benefits, including a low-interest fixed rate of 10.99% APR*, fewer monthly payments, and longer terms.

Consolidate your Debt with a Personal Loan

A personal loan can be used to consolidate debts such as credit cards, car loans, student loans or any other type of loan you may have. This means you will pay off all existing debts and then make one payment each month towards the new personal loan. With this approach, it can be easier to manage and keep track of your finances since you only have one payment instead of multiple ones. Additionally, if you’re able to secure a substantially lower interest rate than what you currently have on existing debts, this could save you money over time when making payments towards your loan balance.  

Another benefit of consolidation with a personal loan is that it simplifies the repayment process altogether by providing you with more extended payment terms as well as higher principal amounts than other financing options may offer. This makes it easier for those who are looking for a more achievable goal in terms of paying down their debt each month without feeling overwhelmed by high monthly payments or shorter repayment periods.  

Overall, consolidating debt via a personal loan can be an excellent way to simplify managing multiple payments each month while also potentially saving money when compared with other available options for financing. Taking all factors into account before making any decisions is essential in ensuring that not only does this type of financing fit within one’s budget but ultimately puts them on the path towards becoming financially independent in 2023 and beyond! Apply online in less than 10 minutes or give us a call at 214.748.9393 extension 2601. We will be happy to assist you.

*Personal Loan: Credit application is required. Must be 18 years of age or older and a member of Neighborhood Credit Union. Terms from 0 months to 60 months. Rates range from as low as 10.99% APR up to 17.99% maximum APR. Rates, terms and conditions are subject to change and may vary based on credit worthiness. Interest begins accruing the day the loan is funded. Restrictions may apply. (Repayment Example: The payment on a $10,000 loan would be $217.37 per month at a non-variable interest rate of 10.99% APR with a 60 month term. This equates to $3,042.46 over the life of the loan.) Membership required with a $25 minimum deposit. Equal Opportunity Lender.
**Debit consolidation loans based on credit qualification and approval. Credit application required. Must be 18 years old to apply. Rates subject to change. Equal Opportunity Lender.

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Who We Are 

As an active part of the community for 93 years, Neighborhood Credit Union is a not-for-profit financial organization serving the state of Texas with branch locations in Collin, Dallas, Denton, Ellis, and Tarrant counties. With assets topping $1 billion, Neighborhood Credit Union has a continuously growing membership of over 60,000. For more information, call (214) 748-9393 or visit our homepage