Pay off debt faster

Debt Consolidation

If you’re juggling payments for credit cards, payday loans, medical bills and more, debt consolidation could help you get ahead.

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Struggling with credit card debt?

Debt consolidation helps you combine multiple debts into one lower-rate personal loan, so you can save on interest charges, simplify your monthly payments, and get a clearer picture of when you’ll be debt-free.

Borrow up to $25,000
No application fees
No prepayment penalties
Optional payment protection
Manage your loan with free online and mobile banking

Using a personal loan to consolidate debt could help you:

Swap multiple debts for just one easy loan
Choose from a range of terms and payment plans
Get a steady fixed rate that won’t go up
Save on interest charges with a lower rate
Get out of the endless debt cycle for good

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How debt consolidation can help

If you’re juggling multiple high-interest credit card balances, medical bills, payday loans and more, debt consolidation could help you save money and pay off debt faster.

Fixed interest rate

Unlike credit cards, a personal loan offers a fixed rate that won’t go up.

Lower interest rate

Personal loans often offer lower rates than credit cards, so you can avoid high interest charges.

Steady repayments

You’ll know exactly how much you’ll pay each month and when you’ll be debt-free.

One monthly payment

Trade in multiple payments, lenders and due dates for just one steady payment.

Get up to $300 cash back with a balance transfer

If you have a small amount of credit card debt or plan to pay off your balance quickly, you could take advantage of our balance transfer offer. Get 1% cash back (up to $300) when you transfer balances from another lender to a Firemen’s Federal credit card.

Explore Balance Transfers

Help during tough times

"I was going through a rough time and was unsure of how I would be able to afford Christmas, much less the regular bills I had coming in. Firemen's truly work with you to fit your needs and make it a fast process. I will definitely be keeping them in mind for future financial needs. I love this credit union. I was able to get over the little 'bump in the road' I had with ease, and I am truly grateful."

- Stacey T.

Affordable loans

"I love Firemen's! I couldn't get a loan from a bank because I filed bankruptcy six years ago, and Firemen's approved me with no problems. I have a cheap note and low interest rate. Thanks for given me and my credit another shot!"

- Felicia D.

Best rates

"Before joining Firemen's, we had several accounts at several banks. Firemen's allowed us to move all of our accounts to one place. We also have purchased two vehicles through the credit union. They really went above and beyond to assure that we got the best rates. We are truly happy with our Firemen's!"

- Walter A.