Feeling overwhelmed by multiple high-interest payments?······
Our exclusive Debt Consolidation Loan helps academic professionals combine lingering balances into one manageable loan—no surprises, just clear, affordable terms designed to lighten your financial load. 1
Make the move. Pay the debt off faster.
Get up to
$25,0001
Reduce Your Payments
Trade stress for savings.
Combine high-interest debts into one lower monthly payment—freeing up more cash for what matters most.
Combine high-interest debts into one lower monthly payment—freeing up more cash for what matters most.
Simplify Your Finances
Say goodbye to juggling bills. With just one due date and one fixed rate, it’s easier to stay on top of your finances and avoid missed payments.
Save Money Over Time
Less interest = more freedom. Lock in a competitive low rate and keep more of your money where it belongs—with you. The lower the rate, the less you’ll pay.
Promotional Terms & Rates
Loan Term
APR — Regardless of Credit1
12 months
10.00%
24 months
10.25%
36 months
10.75%
48 months
11.00%
60 months
11.25%
DowneyFCU also offers a 0% APR* Credit Card for Educators! Explore the benefits of our EduPerks Visa® now.
Get Financial Clarity
Disclosures
1
APR = Annual Percentage Rate. Must be DFCU member in good standing and be employed at a school or school district for at least two consecutive years to be eligible for this loan. Member must sign up for, or have, payroll direct deposit with DFCU of at least $500 per month and an open DFCU Checking Account in order to be eligible. DFCU will confirm direct deposit before loan funding. Maximum loan amount is $25,000 and maximum term is 60 months, and must have debt-to-income ratio of 45% or less in order to be considered for loan approval, other standard underwriting guidelines apply which include creditworthiness, FICO/credit score and other factors. Auto payment must be set-up at the time of funding. Loan approval not guaranteed. Loan funds will be sent directly to creditors, with no cash back provided to the member. Depending on underwriting stipulations, credit lines may need to be closed. Other rates and terms are available. Rates are subject to change without notice.
2
The results provided by this calculator are estimates and are intended for informational purposes only. The actual terms, rates, and offers may vary. Rates, offers, and terms are subject to change without notice and may expire. Please contact DowneyFCU directly to confirm your eligibility and to discuss specific offers.