Consolidation Loans

Consolidate your bills into one payment.

Consolidation Loans

Simplify Your Debt with One Payment

If you’re juggling multiple bills, credit cards, or high-interest payments, a debt consolidation loan from Gather Federal Credit Union can help you simplify your finances and lower your stress. Combine your balances into one monthly payment with competitive rates and flexible terms.

 

Why Consolidate Your Debt with Gather?

  • 1% loan rate discount (limited time only)*

  • Rates as low as 4.00% APR*

  • Borrow up to $30,000

  • One predictable monthly payment

  • Potential savings on interest over time

  • Local service from a trusted Hawaii credit union

 

Take Control of Your Monthly Budget

Debt consolidation allows you to replace multiple due dates and varying interest rates with a single, manageable payment. Whether you’re consolidating credit cards, personal loans, or other outstanding balances, Gather’s consolidation loans are designed to help you regain control and move forward with confidence.

 

Ready to Get Started?

Apply or Learn More Today

Call Gather Federal Credit Union at (808) 245-6791 or visit www.gatherfcu.org to speak with a Loan Counselor and see if a consolidation loan is right for you.

Start your application today 

 

Disclosures

*APR = Annual Percentage Rate. $1,000 loan at 4.00% APR for 12 months equals $85.14 per month. Rate assumes excellent borrower credit history. A 1% loan rate discount applies to eligible loans. Current rate applies to loans eligible for the 4.00% APR. Other rates and terms are available. Rates range from 5.00%–17.99% APR based on credit history. Offer valid through February 28, 2026.





































Frequently Asked Questions

A consolidation loan combines multiple debts into one loan with a single monthly payment, often at a lower interest rate than credit cards or other unsecured debt.
Common debts include credit cards, personal loans, and other high-interest obligations. A loan specialist can help confirm eligibility.
Qualified borrowers may consolidate up to $30,000, based on creditworthiness and loan terms.
Rates are based on credit history and loan qualifications. Eligible borrowers may receive a 1% rate discount, with rates starting as low as 4.00% APR*.
Yes. Gather Federal Credit Union is federally insured by NCUA.