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


Open your account online or at a branch.


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.


*Loan must be used for debt consolidation. In some cases, KeyPoint may require to pay off your debt directly with no cash to you. This is dependent on your debt-to-income ratio and credit experience. 

**Rate and terms accurate as of 7/1/2024 and subject to change. All loans subject to credit approval. Rate offered to approved applicants depend on credit history and other factors we may lawfully consider. Payment example: Pay $18.52 per month per $1,000 borrowed at 9.99% APR for 72 months.