Personal Debt Consolidation

Personal Debt and Consolidation Loans

Now through 2/28/26, Get .25% off an Approved Rate* for a Debt Consolidation Loan only.*

Personal Debt Consolidation Loan

Experience the possibilities with a loan for your personal needs or to consolidate debt.

The Ridgedale Federal Credit Union Personal or Debt Consolidation Loan has you in mind, you can use the funds for whatever you need.

If your loan is approved, you can close and get funded in as little as one day or we will prepare checks to pay off other debts. This process can occur remotely for our current members.

You can protect your financial well-being by protecting the loan with optional Debt Protection Plans (DPP). Loan protection products are a voluntary purchase and will not affect your ability to be approved for a loan.

Apply 24/7 on our secure loan application.

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*APR = Annual Percentage Rate. Maximum APR: 18%. The minimum loan term is 6 months. The maximum loan term is 60 months. Not all applicants will qualify, subject to credit approval. Additional terms & conditions may apply. The actual rate may vary based on credit worthiness and term. Rates, terms, and conditions are subject to change. The .25% discount applies to only approved loans specifically for debt consolidation and is applicable on applications received through 2/28/2026 at 12:00 a.m. Payment example: $15,000.00 borrowed for a 5 - year term at an APR of 8.75% = 60 Monthly Payments of $309.56. Ridgedale Federal Credit Union membership and a minimum balance of $100 is required to apply for a loan. All documents must be accepted by the Lending Department for same day decision.

Benefits

Borrow up to $50,000
Same Day Decisions

Optional Debt Protection Program
Terms up to 6 Years

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Rates and Disclosures

Personal and Debt Consolidation Loans

Effective Date: 9/3/2025, Rates Subject to Change

Personal and Debt Consolidation Loans	APR
As Low As	8.75%
PERSONAL AND DEBT CONSOLIDATION LOANS: APR = ANNUAL PERCENTAGE RATE. NOT ALL APPLICATIONS WILL QUALIFY, SUBJECT TO CREDIT APPROVAL. ADDITIONAL TERMS & CONDITIONS MAY APPLY. RATE MAY VARY BASED ON CREDIT WORTHINESS AND TERM. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED

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