Your holiday high is crashing. The joy of splurging on your loved ones has hit the hard reality of all those bills coming due. One way to get back on track financially is to consolidate your post-holiday debt. Spending a few minutes now to decide how you should consolidate debt will go a long way toward restoring your peace of mind.

No doubt you’re familiar with all the TV ads from big debt consolidation companies promising to help you get out from under all your bills quickly. You don’t need to turn to one of them for help. United Financial Credit Union has solutions to offer and you know you can trust our advice.

United Financial offers options for you to consolidate your debt. So check out your options and come talk to our staff who can answer any of your concerns.

Balance Transfer Loan

Are you juggling too many credit cards? You miss a payment on one because you’re trying to pay off another one? Or do you cross your fingers hoping you pick the right debt to pay off first? A United Financial Balance Transfer Loan could be your answer for post-holiday debt consolidation.

A Balance Transfer Loan from United Financial offers you several advantages.

  • One payment to manage. Consolidate debt from all your credit cards by transferring those balances into one loan – one payment. With only one payment to manage, you don’t need to juggle payments any longer.
  • Lower your interest rate. Combining credit cards and high-rate secured or unsecured loans into one Balance Transfer Loan with United Financial can help you lower what you owe. We offer rates on consolidation loans for as low as 4.99% APR*. Secured loans can be even lower. In no time you’ll be able to pay off your debt.
  • Lower your payment. Check out our online debt consolidation calculator. See how a Balance Transfer Loan could help you. Plug your numbers in and see what your payments could be. You can also see how much interest you’ll save. You might be pleasantly surprised!
  • If a Balance Transfer Loan sounds right to you, you can apply online. If you aren’t sure this is right for you, make an appointment with one of Loan Representatives. We can work you through the process of post-holiday debt consolidation options.
*APR = Annual percentage rate. See Credit Union for details. Rate is valid for a limited time only.


Don’t Wait to Get Started

Humans have a tendency to avoid pain. It can be hard to admit that you need help getting out of debt. However, that debt isn’t going away on its own. There’s no better time than now to get started on post-holiday debt consolidation.

You can easily apply for a loan online, but don’t hesitate to contact United Financial if you have any questions. Sometimes it’s better to talk to a real person. Schedule an appointment and sit down with one of our friendly representatives. We’ll let you know what programs you qualify for.

We hope you’re ready to put debt behind you. Just know that you aren’t the only person who has ever needed to consolidate debt. We’re here to help you just like we’ve helped countless members of United Financial Credit Union

And once you consolidate debt to dig out from under the holiday bills, make a plan to join our Christmas Club. Then by this time next year you won’t be singing the holiday blues because you won’t have any holiday debt to consolidate!