KeyPoint can help you manage high-interest debt. By combining credit cards and other personal balances into one lower-rate Debt Consolidation Loan, you might save money on interest or pay off your loan faster!*
Move Forward With KeyPoint
Low Monthly Payments
With rates from 9.99%-24.00% APR**, you could save by bundling expenses into a set monthly payment.
No Fees
No application, annual or early payoff fees.
Flexible Financing
Find a solution that works for you, with terms from 1 to 6 years and loan amounts from $500 to $50,000.
See What You Could Save
Instead of monthly payments going primarily to interest, you may enjoy a lower rate and single monthly payment with a Debt Consolidation Loan.
| Balance | Average Interest Rate | Monthly Payment | 5-Year Total Interest | |
|---|---|---|---|---|
| High-Interest Credit Card | $35,000 | 21.95% APR** | $966 | $22,940 |
| KeyPoint Debt Consolidation Loan | $35,000 | 12.95% APR** | $795 | $12,728 |
| Estimated Savings | $10,212 |
Find out how much you could save with our Debt Consolidation Calculator.
Get Started
Apply
Open your account online or at a branch.
Offer
Work with a digital banking specialist to finalize your loan offer.
Pay Off
As soon as your application is complete, send funds directly to creditors, your KeyPoint account or receive a check.
KeyPoint Membership required.
*Loan must be used for debt consolidation. In some cases, KeyPoint may require payment of debt consolidation loan proceeds directly to your creditors with no cash to you.
**Rates from 9.99% APR to 24.00% APR available as of 2/1/2026; subject to change without notice. All loans subject to credit approval. Rates offered to approved applicants depend on credit history and other factors we may lawfully consider. Monthly payment and interest savings comparison assumes the credit card APR remains at 21.95% for five years, no use of credit card for new transactions for five years and sufficient monthly payments to pay off a $35,000 credit card balance over five years at 21.95% APR. Required minimum credit card payments may be lower than the amount necessary to pay off balance over five years. Credit card rates may be adjustable, with corresponding changes to payment requirements.