Consolidation Loans
Take control and save.
A consolidation loan from Embold is like your personal financial cleaning service. Wrap up your current debts into one easy payment with a great low rate.
Apply TodayCurrent rates
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Product |
APR2 as low as |
Member Perks APR2,3 |
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Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of March 14, 2026. Apply Today |
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Product Consolidation Loans |
APR2 as low as 12.00% |
Member Perks APR2,3 11.75% |
We're here to help
Skip a Payment
Life happens. Most Embold loans allow you to request a skip payment for a low fee. Skip this month’s payment with no impact on your credit score, and use the money you save to get back on track.
Change Your Due Date
Sometimes arranging your month differently can help you maximize your paycheck-to-payment ratio. If you want to move the due date for your loan, use our handy form and email us, drop it off at any branch, or send it snail mail.
Payment Protection
When the unexpected happens, Payment Protection can protect your loan against life’s most unforeseen events. Increase your monthly loan payment by a little to increase your peace of mind by a lot.
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Questions?
Disclosures
1) For details, see our Truth in Lending document.
2) APR = Annual Percentage Rate. Tiered Rates, range of rates that are offered, based upon credit worthiness of the borrower(s).
3) Member Perks: The Member Perks Program is available to both consumer and business accounts and consists of a 0.25% rate increase on Share Certificates or a 0.25% decrease on fixed rate and term loans. To qualify, you must maintain an active primary share account and have a checking account with at least eight eligible transactions each month. Eligible transactions include direct deposits, withdrawals, deposits, ACH transactions, debit card withdrawals, BillPay payments, and checks (drafts). Internal transfers, fees, and dividends are not included. You must also be enrolled in eStatements or have at least 10 years of membership. Ten-year membership eligibility begins the first day of the month following your 10-year anniversary.