Debt Consolidation Loan

Save money on interest, pay off debt faster, lower monthly payments* – your choice
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Rates available to qualified borrowers between
9.99% - 24.00% APR**
Terms range from 1 to 6 years to fit your timeline
Borrow between $500 to $50,000 depending on your needs
No application, annual or early payoff fees mean no hassle

Get rid of debt and reduce your stress with a Debt Consolidation Loan

If high-interest debt keeps you awake at night, KeyPoint has a solution. Roll all your high-interest loan and credit card debt into a new loan with a lower interest rate. Then, put your debt repayment strategy to work and rest easier.

With just a few pieces of information from you, we'll complete your application. As soon as you're approved, we can disburse funds to your creditors, deposit funds to your KeyPoint account, or send you a check for your loan.*

KeyPoint Credit Union personal loans offer flexible financing for life’s expenses, from debt consolidation to unexpected costs. Conveniently serving the San Francisco Bay Area, Santa Barbara County and beyond.

Start your countdown to being debt-free
Apply Now

The KeyPoint Difference

A lower rate and single monthly payment with our Debt Consolidation Loan means more money goes toward paying off debt and less goes toward interest.

 

BalanceAverage Interest RateMonthly Payment5-Year Total Interest
High-Interest Credit Card$35,00021.95% APR**$966$22,940
KeyPoint Debt Consolidation Loan$35,000
12.95% APR**$795$12,728

Estimated Savings: $10,212

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Frequently Asked Questions

Credit card and other loan payments can be made through Online or Mobile Banking, over the phone, or sent by mail to KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Don’t have Online Banking? Sign up today! 

Access your account online from your laptop, tablet or personal computer. Online Banking is secure, free, and available 24/7. You can also use our mobile app. After you enroll, you can take care of your banking tasks at your convenience: 

  • View current account balances and transaction details
  • View and export transaction history 
  • Pay bills
  • View check images
  • Transfer money between your own accounts, and accounts of other KeyPoint Members 
  • Send money to anyone via an email address or cell phone
  • Transfer funds between your KeyPoint accounts and your accounts at other financial institutions
  • View eStatements, eTaxes and other electronic documents 

You can also download KeyPoint's mobile app from the App Store or Google Play, and Register directly on the app.

Most loan applications are approved within the same business day that you apply.

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer! 

KeyPoint has personal loans and lines of credit that can be used for a variety of purposes, such as consolidating bills and paying for large expenses like weddings and medical bills. 

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer! 

Loan qualifications vary depending on the type of loan you need. The best way to find out if you qualify for a loan is to apply. There is no cost to do so, and our staff will work with you to look for ways to get your loan request approved.

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer!

Yes, we offer student loan refinancing. Learn more about student loan refinancing.

We make it easy to stay on top of your loan — and even easier when you choose recurring electronic payments.

Preferred Payment Options:

KeyPoint Credit Union Mobile Banking is a secure, convenient way to access your accounts and pay bills anytime, anywhere, using your mobile device. 

Other Ways to Pay:

Pay from an Outside Account.  Set up electronic transfers by providing:

  • KeyPoint’s Routing Number: 321180515
  • Your KeyPoint Loan Number
  • By Mail: KeyPoint Credit Union, ATTN:  Loan Payments, 2150 Trade Zone Blvd, Suite 200, San Jose, CA 95131.  Include your loan number or payment coupon. Checks or money orders only.
  • In Person: Visit a branch near you.  Find a Location

 For principal-only payments, loan payoffs, or payments to special or restricted accounts, please contact us at [email protected] or (888) 255-3637 x4252.

If you lost your credit or debit card, please contact us immediately so we can block the card and prevent fraud on your account. You can receive a new card instantly at any KeyPoint branch! If you would like us to mail a new card, it will take three to five business days. 

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back. A Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

KeyPoint has three great credit cards to meet your needs: A low-rate Visa® Platinum or Classic card, and a Visa® Platinum Rewards card. There is no annual fee, no balance transfer fee, no cash advance fee, and easy online access. Credit limits range from $500 to $25,000. Click here for more information or apply for a credit card online.

If you applied online, you can log back into our online application system to see if there is an updated status (although we will call or email you as soon as we have a decision). 

You can also contact us for an update!

  • Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back. A Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 
  • Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.
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*In some cases, KeyPoint may require direct payment of loan proceeds from us to your creditors with no cash to you. This depends on your debt-to-income ratio and credit experience. 

**KeyPoint rates accurate as of 02/26/26 and subject to change. Sample high-interest credit card rate based on national average credit card rate. All loans subject to credit approval. Rates 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.

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