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CONSOLIDATION LOANS

Save money. Simplify your life. Consolidate your loans with America First. We offer instant online approvals & the best in member service. Plus, our four options can help you pay off your loans quicker and lower your existing monthly payments. An Auto Loan or a Home Equity Loan could be just the right answer for your credit consolidation needs.

Best of all, you'll still earn interest on your Certificate Account investment.

Home Equity Consolidation

  • High credit limit potential
  • Line-of-credit & term loans
  • Terms from five to 20 years
  • Up to 100% financing

Auto Loan Consolidation

  • New & used auto titles
  • Competitive rates
  • Terms up to seven years
  • 100% loan-to-value available

Visa Card Consolidation

  • Rewards & cash-back options
  • Free Picture Perfect card design
  • No annual fees
  • Low rates

Personal Loan Consolidation

  • No collateral required
  • Low fixed & variable rates
  • Terms up to 60 months
  • Online account management
Product Term APR* As Low As
No Closing Costs First Mortgage 50% LTV 12 Years 5.74% Variable
No Closing Costs First Mortgage 50% LTV 10 Years 5.24% Variable
No Closing Costs First Mortgage 50% LTV 7 Years 4.99% Variable
No Closing Costs First Mortgage 50% LTV 15 Years 6.24% Variable
No Closing Costs First Mortgage 50% LTV 5 Years 4.74% Variable
* The Annual Percentage Rates (APRs) listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Tuesday, January 03, 2023 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
Product Term APR* As Low As
Auto Loan 5 Years 6.24% Fixed
* Annual percentage rate, on approved credit, subject to change. This APR is the lowest for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, January 12, 2023.
Product Details APR* As Low As
PLATINUM LOW RATE Low Rate Platinum Card 11.24% Variable
* The Annual Percentage Rates (APRs) listed are our best rates. Product availability is subject to credit history. Your rate may be higher depending on credit history and underwriting criteria. Visa Platinum requires a $6,000 minimum limit. For Business VISA Credit Card information please see Business VISA Credit Card. For Visa Check Card rates please see Line of Credit. Rates and terms are accurate as of Tuesday, January 03, 2023 and are subject to change. Consumer Loans have a maximum APR of 18%.
Product Term APR* As Low As Apply Online
PERSONAL 1 Years 8.49% Variable
* The Annual Percentage Rates (APRs) listed are our best rates for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, December 22, 2022 and are subject to change. Consumer Loans have a maximum APR of 18%.

Consolidate and Save Significantly

You can consolidate your debt, simply your life, and save money with loans from America First.