Debt Consolidation Loan

Pay your debt down faster with XCEL

Turn multiple high-interest payments into a single, manageable one.

Are high interest rates keeping you from making a dent in your debt? If it seems like you're always playing catch-up when it comes to paying off credit cards and loans, a debt consolidation loan from XCEL could be the solution. 

  • Borrow up to $40,000
  • Terms up to 84 months available
  • Competitive rates
  • Do you own a home? If so, a Home Equity Loan could be the right way to consolidate your debt. 


XCEL FCU is a credit union serving members in New Jersey, New York and across the country.