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Debt Consolidation

 Take control of credit card debt

Simplify your bills with a consolidation loan at 9.99% APR1

Take control of your credit card debt with our consolidation loan. Not only can you reduce your interest rate and simplify your payments into one loan, but we're also including extra offers to make it even easier to get a fresh start. Take advantage of 9.99% APR and no payments for 90 days, but hurry. This offer is only available for a limited time. 

Fixed interest rate as low as 9.99% APR 

This loan will have a fixed interest rate instead of a high interest rate that can vary, like credit card interest rates might. 

No payments for 90 days

A fixed term loan for up to 60 months will guide you toward your debt free future. Plus, having an extra 90 days without a payment can help you save and organize your budget.

An offer for our Premier Rewards Credit Card equal to your current highest credit limit

Not only does this offer you a loan that will pay off your existing credit cards, you can open our Premier Rewards Mastercard, which pays you 1.5% cash back on all your purchases as a statement credit.2 This card will be underwritten with your consolidation loan, so you'll only have one credit inquiry show up on your credit report. Plus, you'll be able to keep track of all your accounts in our Online and Mobile Banking. 

Get $200 with our Ascend Checking Account3

When you consolidate your loans and open, convert, or have an existing Ascend Checking Account, you can get $200! Here's how it works: 
  1. Open, convert, or have an Ascend Checking Account when you get your consolidation loan
  2. Make your first payment toward your new loan
  3. We'll deposit the $200 into your Ascend Checking within 45 days of your first payment
You can learn more about our free Ascend Checking Account, and how you can earn dividends on your balance by clicking here.

Do you have more questions about whether this loan is right for you? Get started by speaking with one of our loan officers, who can go over more of the details of this promotion with you. 

Why Consolidate Your Debt

Save on Interest

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You can reduce your interest rate with this fixed rate loan. 

Simplify Payments

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You'll only have one monthly payment instead of multiple payments. 

Improved Credit Score

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Consistent monthly payments can improve your credit score.

Take control

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With a fixed term and rate, you'll know when your debt will be paid off. 

1APR - Annual Percentage Rate. All loans are subject to P1FCU membership, credit approval, and other underwriting criteria. Loan program rates, terms, and conditions are subject to change without notice.
21.5% Cash Back Rewards: Valid on net purchases (less credits, returns and adjustments) of goods and services made with a P1FCU Premier Rewards Mastercard. Cash back earned will be applied as a statement credit after an eligible purchase is made. Cash advances, fees and interest charges do not qualify to earn cash back. Account must be open and in good standing at the time the purchase is made and the statement credit is applied. 
3To qualify for the TAKECONTROL LOAN PROMOTION: 1. The unsecured loan funds requested must be used to payoff at least one or more non P1FCU credit cards.  Additional funds can be used to payoff any other non P1FCU unsecured debt.  And 2.  Be a member with an open and active Ascend checking account opened prior to May 24, 2023, open an Ascend checking account at time of loan application or prior to loan closing or convert an existing checking account to an Ascend checking account at time of loan application or prior to loan closing.  Upon meeting the above qualifications, a one-time deposit of $200 will be deposited into the member’s Ascend checking account within 45 days after the first payment has been posted/paid.  This offer is available to members who are 18 years of age or older and may not be combined with any other Ascend checking account promotion.  All loans are subject to credit underwriting.  Only one TAKECONTROL promotion per social security number/member.  Eligible for 1099 reporting.  Limited time offer and may be modified or withdrawn without notice.  Insured by NCUA