债务合并
A debt consolidation loan is a form of debt refinancing, which means taking out one loan to pay off one or more other loans. By consolidating your debt you can lower your total monthly payments. 债务合并贷款还为您提供了灵活性和舒适性，以确定偿还贷款的时间长度，并允许您直接与单一贷方合作, San Francisco Federal Credit Union, rather than multiple lenders. 就像 个人贷款, a debt consolidation loan requires no security or collateral. 然而, 债务合并贷款严格用于偿还债务，而不是用于创造新债务. The application process is easy, and funds can be disbursed quickly. 没有前期费用，GPK电子游戏提供灵活的还款条件和固定的低利率.
一些最常合并为债务合并贷款的票据是:
- 医疗费用
- 个人贷款
- 信用卡
- 发薪日贷款
- Any other unsecured debt
Four Steps to Consider Before You Make a Decision
Before you apply for a debt consolidation loan, we recommend that you take into consideration the following four points:
- Take an accurate inventory of your total debt
- Carefully evaluate the interest you are paying on your current loans
- Have a clear understanding of your financial objectives
- 借之前要知道
合并多笔贷款意味着你每个月只能偿还一笔债务，但这可能不会减少或更快地还清你的债务. By understanding how consolidating your debt benefits you, 你将处于一个更好的位置来决定它是否适合你. Learn more about pros and cons of a debt consolidation loan.
债务合并 Loan 利率
| 术语 | 低至APR¹% |
|---|---|
| 1 - 12个月 | 7.99% to 17.99% |
| 24里面几个月 | 12.30% to 17.99% |
| 技能月 | 12.35% to 17.99% |
| 37-48月 | 12.40% to 17.99% |
| 49-60月 | 12.45% to 17.99% |
| 61 - 72个月 | 14.45% to 17.99% |
| 73 - 84个月 | 16.44% to 17.99% |
1Annual Percentage 利率. 对于所有贷款, 实际年利率是在作出信贷决定时确定的，可能高于最低可用利率. 信用记录、贷款期限和借款金额都是决定利率的因素. Not all borrowers will qualify for the lowest rate. There are NEVER any prepayment penalties for repaying your loan early. All loans are subject to credit approval. As of the date of this disclosure, the Prime Rate is 8.50%.
More Financial Tools for You
信用卡
We offer a range of credit cards to suit your lifestyle, including 每一个人 from executives to students. Earn rewards, save on interest, or establish credit.
个人贷款
借 as little as $500 and use the cash for any purpose. 选择你的贷款期限，并获得一个有竞争力的APR为负担得起的每月付款.
Personal 信贷额度
获得高达50,000美元的信用额度，用于支付正在进行的项目和费用. Only pay interest on the funds you use!
我在哪里可以找到更多关于债务合并贷款的教育资源?
- 债务合并vs. 个人贷款
- How To Consolidate Your Debt [Ultimate Guide]
- What Is 债务合并 (And Should You Do It)?
- Additional 财务建议
债务合并 Loan 常见问题
最常见的方式来巩固你的债务是通过债务合并贷款. 当你申请债务合并贷款时，你完成了一个简单的贷款申请过程. 在这个过程中，GPK电子游戏会分析你的财务状况，以确定你有资格借多少钱. Your loan can be secured, 这意味着你要拿出房屋或车辆等抵押品来获得贷款, 或无担保, meaning no collateral is needed. 你可以用你从债务合并贷款中得到的钱“还清”你所有的债务. 然后，你将以一致的利率每月支付一个特定月数的账单，直到你还清余额. 不用每个月付多次，每次都有不同的利率，你只付一次.
You can apply in one of three ways: online, call us at 415-775-5377, or by visiting one of our branches.
贷款期限是指你偿还所借资金的时间长度. We offer terms from 1-84 months.
Debt consolidation is for the sole purpose of consolidating debt. Because of the flexibility in terms and our competitive low rates, 众所周知，这个产品可以帮助会员将他们的债务合并为一笔贷款, 只要一笔付款，债务带来的压力和负担就可以预见地结束. 随着时间的推移，利用债务合并贷款也可以节省你的钱.
We offer 个人贷款s as low as $500 and up to $50,000. 您获得批准的金额将基于GPK电子游戏审查资格的几个因素.
不，gpk电子游戏官网不收取预付罚金. GPK电子游戏鼓励GPK电子游戏的会员增加月供或在可能的情况下支付额外的款项. This will help reduce the balance quicker and save on interest.
Once you carefully assessed your financial situation and objectives, 你就能更好地确定gpk电子游戏官网的债务合并贷款是否适合你. Please understand, a debt consolidation loan is different than a 个人贷款, 因此，GPK电子游戏可能全年为GPK电子游戏的个人贷款提供的任何特别促销活动不适用于GPK电子游戏的债务合并贷款. You can apply for your debt consolidation loan by calling 415-775-5377您可以到GPK电子游戏的分支机构或点击右边的按钮. All loans subject to credit approval. 阅读更多
As a responsible financial partner, gpk电子游戏官网致力于确保GPK电子游戏有安全和道德的借贷行为. This means that when you apply for one of our loan products, GPK电子游戏做一个彻底的审查，以确保授予贷款不会把你在一个不舒服的财务状况. 你的信用评分和收入反映了你管理财务的能力和偿还债务的承诺. 它还可以帮助GPK电子游戏确定GPK电子游戏可以借给你的金额和利率.
GPK电子游戏的一些贷款产品，如封闭式贷款，适用于非永久性美国公民.S. 居民, contingent upon review of current work permit/visa. Certain loan terms will be determined by visa/permit expiration.