Debt Simplified
A clear way to eliminate high-interest credit card debt.
Turn High-Interest Credit Balances into One Clear Payoff Plan
High credit card interest keeps balances hanging around longer than they should. Debt Simplified replaces that drag with a single, lower-rate loan and a defined payoff plan. No juggling. No guessing. Just a clearer path to eliminate high-interest credit card debt.
Debt Simplified Loan At-A-Glance
- Unsecured fixed-interest rates as low as 8.50% APR*
- Loan proceeds used to pay off existing credit card debt and paid directly to the credit card issuer
- Maximum loan amount $10,000 and total combined PACU unsecured loans may not exceed $30,000
- Limited-time offer, expires April 30, 2026
Let’s do the Math
Rolling your debt into one loan with a lower interest rate could save you big money. Check out our easy-to-use Debt Consolidation calculator!
Easy Steps to Apply
Once you’ve clicked Apply Now, you’re in our Personal Loan Application. Follow these three easy steps as part of the application process:
- Purpose: Select Personal Unsecured Loan
- Loan Information: Insert Loan Amount and Term (months)
- Purpose of Loan Request from the Dropdown List: Select Bills/Debt Consolidation
Required Documents
Proof of Income
- All pay stubs within the past month
- If self-employed, the last two years of tax returns
- Social Security/pension award letters
- Award letters from other income types
Credit Card Statements
- Most recent statements for the credit card debt you want to refinance at a lower rate
Offer Expires April 30, 2026
This limited-time offer is your defined path to eliminating credit card debt.
Disclosure
*APR (Annual Percentage Rate). Fixed-rate between 8.50% APR and 10.50% APR, depending on credit history and profile. All loans are subject to credit approval; a minimum credit score of 650 required to qualify. Loan proceeds paid directly to credit card issuers. Maximum loan amount $10,000. Debt Simplified Loan cannot be used to refinance PACU credit card debt. Underwriting may require credit cards being consolidated to be paid to a zero balance and closed as a condition of closing. Additional information regarding assets and liabilities will be required during the application process for any unsecured loan request, which, if approved, would result in the member’s total aggregate unsecured direct and indirect liability to the credit union exceeding $10,000. The maximum aggregate amount of unsecured debt any member may directly or indirectly owe the credit union at any one time is $30,000. Limited-time offer expires April 30, 2026.