Break Free From Debt

Leave High-Rate Debt Behind

Start fresh with a 0% Visa Balance Transfer or a Debt Consolidation Loan as low as 4.99% APR*!

Initiate a 0% Visa Balance TransferApply for a Debt Consolidation Loan

Lost in High Interest Debt? Simplify Your Life.

Take back control and turn your pile of bills into one manageable payment.

If you’re looking to pay off other balances quickly, consider opening one of Freedom’s Visa Credit Cards, and receive a 0% APR* for 15 Months on balance transfers and purchases made in the first 90 days.1,2

If you need more time to pay down your debt, consider a debt consolidation loan, which for a limited time, is as low as 4.99% APR*.  With a fixed term up to 60 months, you’ll have just one low monthly payment, and you’ll know exactly when your debt will be paid off.3

 

  • Interest Savings

    Interest Savings

    Save significantly on monthly interest and pay off your debt faster

  • Simplified Payments

    Simplified Payments

    Consolidating payments can make debt easier to manage

  • More Control

    More Control

    Make a plan with Freedom and know exactly when your debt will be paid off

  • Help your credit score

    Help Your Credit Score

    As you pay down your debt, you can improve your credit score

Which Option is Best for Me?

  • What is the Annual Percentage Rate (APR)?

    What is the Annual Percentage Rate (APR)?

  • How fast can I pay down my debt?

    How fast can I pay down my debt?

  • How much can I expect to pay monthly?

    How much can I expect to pay monthly?

  • Can I consolidate multiple balances/loans?

    Can I consolidate multiple balances/loans?

  • What are the fees?

    What are the fees?

  • Do I need collateral?

    Do I need collateral?

  • Is this option eligible for Skip-A-Pay?

    Is this option eligible for Skip-A-Pay?

Balance Transfers

  • What is the Annual Percentage Rate (APR)?

    0% Introductory Rate1

  • How fast can I pay down my debt?

    Pay off debt interest-free within the 15 month introductory period.2

  • How much can I expect to pay monthly?

    Monthly payments are flexible.

  • Can I consolidate multiple balances/loans?

    Yes, transfer balances within the first 90 days to consolidate multiple balances onto your Freedom Visa at 0%.2

  • What are the fees?

    3% Balance transfer fee2

  • Do I need collateral?

    No

  • Is this option eligible for Skip-A-Pay?

    No

Debt Consolidation Loans

  • What is the Annual Percentage Rate (APR)?

    As low as 4.99%3

  • How fast can I pay down my debt?

    Allows you to pay off debt over a longer period time (up to 60 months) with one low rate payment.

  • How much can I expect to pay monthly?

    Lower fixed monthly payment.

  • Can I consolidate multiple balances/loans?

    Yes, combine credit card and loan balances into one low rate payment. 

  • What are the fees?

    No fees - No application fee, no annual fee, and no prepayment penalty fee.

  • Do I need collateral?

    No

  • Is this option eligible for Skip-A-Pay?

    Yes- After 6 months

Still have questions?

Call us at 800-440-4120 or fill out the form below and a Freedom Representative will be in contact with you.

Debt Consolidations

Enter your contact information here to indicate your interest in our debt consolidation loan.
  • Are you a Freedom member? * Required
Apply Online Today

Disclosures

*APR (Annual Percentage Rate)

Rates effective January 4, 2021,

1 The 0% introductory rate will revert to the current standard rate as applicable after the 15 month promotional period. That is 7.74% APR to 15.24% APR for the Platinum VISA, or 9.24% APR to 17.24% APR for the Platinum Rewards VISA, based on individual credit worthiness. Rates are subject to change. Rate will vary with the market based on Prime.

2 The 0% introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. A 3% balance transfer fee is applicable. This offer is available on the Platinum VISA and the Platinum Rewards VISA credit cards only. Any existing balances on Freedom Federal Credit Union credit card accounts are not eligible for the Introductory APR for balance transfers.

3  The lowest consolidation loan rate requires automated payment and e-Statement enrollment, or the rate is 0.25% higher. Other rates and terms available. Offer may be withdrawn at any time. Payment example for a 60 month debt consolidation loan would consist of 60 monthly payments of $18.87 per $1,000.00 borrowed based off of the 4.99% APR.

Rates and loan amounts may vary depending on credit score, not all applicants will qualify for the lowest rate. Membership eligibility requirements apply.