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 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 2/1/2025 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.