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Home Loans and Credit Cards Loan Services Debt Consolidation

Debt Consolidation

If you're juggling multiple high-interest loans, it's time to consolidate. We offer a variety of money-saving consolidation options that will give you some breathing room and make managing your payments less stressful. 

Personal Loan

Roll your higher interest debts into one with a low rate and flexible term that fits your budget.

Platinum Visa Credit Card

Feel like your monthly payments are stretching you too thin? Carrying a credit card balance is common, but it can sometimes make your budget feel tighter and harder to manage. If you’d like to lighten the load, we’re here to help. Our Visa Platinum Credit Card offers a 1.9% APR* introductory rate for six billing cycles on purchases and balance transfers, followed by a low 8.90% APR*. Let’s work together to save you more and take some of that pressure off.

Home Equity Loan and Home Equity Line of Credit (HELOC)


Put the equity in your home to work! A home equity loan provides a lump sum at a fixed, low rate with predictable monthly payments. A variable rate HELOC allows more versatility with your choice of a lump sum or draws whenever you need the funds. Either option can help you knock out other debts and save on interest. 

Vehicle Title Loan Consolidation


Do you own a vehicle free and clear or are you are near the end of your loan term? You may have untapped positive equity! You can use your title as collateral or refinance your current loan to pay off existing higher interest debts.

Debt Management Services

Dealing with high-interest debt and a consolidation loan isn’t the right fit? Our partners at GreenPath Financial Wellness offer personalized counseling services that could be the answer! They’ll create a customized financial plan with lower interest rates and monthly payments so you can pay off your debt faster.

GreenPath’s NFCC-certified counselors are available Monday-Thursday 5am-7pm PST, Friday 5am-4pm PST, and Saturday 6am-3pm PST. Calls are free, confidential, and no-obligation.

CONSOLIDATION OPTIONS

 Personal LoanPlatinum VisaHome Equity LoanHELOCVehicle Title Loan
Loan TypeUnsecured; Closed endUnsecured; RevolvingSecured; Closed endSecured; RevolvingSecured; Closed end
DisbursementOne timeRecurringRecurring for limited time, then fixedRecurringOne time
RatesFixed; higher than secured loansFixed after low introductory rate; typically higher than secured loanFixed; typically lower than unsecured loanVariable; typically lower than unsecured loanFixed; typically lower than unsecured loan
FeesNoneNoneAssociated closing costsAssociated closing costsPossible nominal fees from the Dept of Licensing
Collateral NeededNoneNoneHomeHomeVehicle/Title

Debt Consolidation Resources

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Articles

Understanding Car Loan Interest Rates The interest you pay on your car loan is an important factor in the total cost of your car. Ideally, you want to find a car loan with the best rate and the shortest term to save as much money as possible on the financing costs. Read More
Most Common Credit Card Fees Explained Credit cards have changed the way we pay for many of the things we buy. They are convenient, easy to use, and much safer for large transactions than carrying cash. Although it’s now hard to do some things without credit cards—such as booking a hotel room or renting a car—the true cost of having and using them is often higher than it may seem because of fees. Read More
Is It Worth Refinancing My Mortgage? (+ Refinance Calculator) Many people refinance their mortgages to obtain lower interest rates, to shorten their loan terms, or for other reasons. Before you refinance, however, it’s important to understand how the process works and to be aware of the fees involved. This will help you decide whether refinancing is worth it. Read More
FHA Loan vs. Conventional Mortgage Buying a home is a big decision, and choosing the right mortgage can feel overwhelming. Understanding the difference between an FHA and a conventional loan is a great place to start. Read More

Real Words, Real People from the PNW

Best financial institution I have ever used! Super friendly, helpful staff members who give excellent service and are very knowledgeable about their products and services. I love how easy it is to talk to a person or get assistance when needed.
Geoffrey P.

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*Rate is subject to change without notice. Subject to credit approval. The 1.9% Introductory APR (Annual Percentage Rate) on purchases and balance transfers applies for the first six billing cycles and does not apply to future purchases or cash advances. At the end of six billing cycles the APR will be {{RATE}} . Introductory rate may not be used to pay existing Fibre Federal loans or credit card debt. All 1.9% balance transfers will be classified as “purchases” under our Visa Card Agreement.
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