Personal Loans and Debt Consolidation
Simplify your finances with a personal or debt consolidation loan.
Because we believe that You Are Enuff™, we offer a range of personal loans and debt consolidation solutions to help you manage your finances and achieve your Impossible Dreams with ease.
Our competitive rates and flexible terms provide the financial support you need, whether you're looking to…
- Find a better rate for high-interest debt
- Consolidate debts into a single payment
- Fund a major purchase
- Make a home improvement
- Or anything else!
Personal Loans and Debt Consolidation
Loans that meet you where you’re at
Personal Loans
Loans for any need
Our Personal Loans are ideal for financing life’s big moments or consolidating debt. Whether you need to make a major purchase, cover unexpected expenses, or consolidate high-interest debt, we offer affordable rates and flexible terms to help you manage your finances with confidence.
Debt Consolidation
Eliminate debt
Debt consolidation loans from CFCU can help simplify your finances by merging multiple debts into a single, lower-interest loan. With one monthly payment, you can manage your finances better and reduce the stress that comes with multiple bills. Let us help you take control of your financial future.
Our Personal Loan Options
Explore loan options
With flexible repayment terms and competitive rates, we help you get on the path to financial freedom.
Additions and Home Improvement
Home Improvement Loans
Use a personal loan for home improvements and boost the value of your home. Whether you’re remodeling a room, upgrading appliances, or investing in energy-efficient projects, we can help with affordable financing options tailored to your needs.
CashPlea$e
CashPlea$e™
When life throws you a curve ball and you need easy access to cash, our member-exclusive CashPlea$e™ program offers members an affordable small-dollar, short-term loan solution that kicks in in the clutch.
Personal Loan & Credit Card Rates
Date Updated June 17, 2025
APR* as low as | Term |
|---|---|
Personal & Debt Consolidation Loans** |
|
13.74% | 60 Months |
Platinum Mastercard click for required Mastercard Disclosure |
|
10.99% | Revolving |
Platinum Rewards Mastercard click for required Mastercard Disclosure |
|
12.49% | Revolving |
World Mastercard click for required Mastercard Disclosure |
|
14.49% | Revolving |
*Annual Percentage Rates (APRs) vary and are dependent on individual credit history.
**Personal Loan Payment Example: For a $5,000 loan with 48 month term at 13.74% APR the monthly payments would be about $136. Above stated rate includes an additional .25% rate discount which is available when payments are automatically deducted from your Community Financial checking account.
Apply for a Loan
Apply for a Personal Loan or Debt Consolidation Loan today and take control of your finances. Our simple application process ensures fast approval and competitive rates to help you achieve your financial goals.
Credit Card Options
Our credit card options
Our credit cards are designed to help take you from dreaming to doing—no matter what that looks like. From cards built around points and perks to our no-fuss, non-variable rate option, we’ve got something that everyone can swipe.
Loans From CFCU
Other loan options
Looking for a different kind of loan? We offer a wide range of borrowing solutions to fit your needs, including personal loans, home equity lines of credit, and more.
Personal Loan & Debt Consolidation Resources
Guide
Mortgages as Forced Savings?
A guide to understanding how mortgages can help train you to save better.
Guide
How to Navigate Expensive Debt
Tips to navigate a more expensive world of debt when the cost of borrowing is spendy.
Guide
What is a HELOC?
Everything you need to know about a Home Equity Line of Credit
Frequently Asked Questions
Personal Loan FAQ
Get the answers you need to help you make an informed decision about personal loans and debt consolidation.
You are Enuff™
Looking to make your Impossible Dreams possible? Your membership can help make it happen!
What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
