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Routing # 307075259
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Personal

For Whatever the Need – We’re Here to Help with a Low-Interest Personal Loan

Lower Your Interest. Simplify Your Payments. Start Saving.

Do more with what you've got & free up your monthly budget. Use a personal loan to consolidate debt and save money!

High-interest credit cards and multiple monthly payments can make it hard to get ahead financially. A personal loan from Credit Union of Denver can help you consolidate debt, lower your interest rate, and simplify your monthly payments.

By rolling higher-interest balances into one fixed-rate personal loan, you may be able to save money on interest and improve your monthly cash flow. Instead of managing several payments and due dates, you’ll have one predictable payment and a clear path to becoming debt free.

Limited-Time Personal Loan Offers

  • Up to $5,000 at 6.95% APR1 for 36 months
  • Up to $10,000 at 7.95% APR1 for 60 months

Use your loan to:

  • Consolidate credit card debt
  • Pay off higher-interest loans
  • Combine multiple payments into one
  • Reduce the amount you pay in interest

Apply for a Debt Consolidation Loan Today

See how much you could save by consolidating your credit cards or other high-interest debt into one affordable personal loan.

Get Started

Or speak with our local team to see how much you could save at 303.202.5659 | 800.280.0234 or email us at loans@cudenver.com.

FAQs

One way to pay off multiple debts is usually to focus on the balances with the highest interest rates first while continuing to make minimum payments on the rest. This approach, often called the “avalanche method,” helps reduce the total interest you pay over time.

Another option is debt consolidation, which combines several debts into one loan with a single monthly payment—often at a lower interest rate. Consolidating debt can simplify repayment and may help you pay off debt faster.

Debt consolidation can save you money if you’re able to combine higher-interest debts—such as credit cards—into a loan with a lower interest rate. A lower rate may reduce the amount of interest you pay over time and could help you pay off debt sooner.

Consolidation can also simplify your finances by turning multiple bills into one predictable monthly payment, making it easier to stay on track with your debt payoff plan.

Your monthly loan payment depends on the amount you borrow, your interest rate, and the repayment term you choose. Check out our online Loan Payment Calculator below that let you estimate your monthly payment before applying. This can help you compare loan options and choose a repayment plan that fits your budget and financial goals.

 

We offer a variety of financial tools and and debt repayment resources designed to help members get out of debt. These may include online debt payoff calculators, budgeting tools in Digital Banking, and multiple loan resources to help you explore your options.

You can also speak with a lending specialist for guidance on solutions like debt consolidation loans, personal loans, or home equity options that could help lower your interest rate and simplify your monthly payments.

Fell free to speak with our local team at 303.202.5659 | 800.280.0234 or email us at loans@cudenver.com.

Personal Loans Defined:

Credit Union of Denver offers a variety of Personal Loans. They come in several forms; Signature, Secured with un-titled vehicles and Secured with a Savings or Certificate Account. You can use our Personal Loans for a variety of needs, big or small, such as unexpected medical expenses, a computer upgrade or the latest technology, an engagement ring, or just so you can make improvements to your lifestyle. With no hidden fees, an easy online application, and competitive rates – you can’t go wrong with a Credit Union of Denver Personal Loan!

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Personal Loan

Current Best Rate: 8.49% APR* (as of 03/01/2026)
Loans without collateral with a designated term.

  • Great low rates
  • Minimum loan amount of $250
  • Up to 60 month terms
  • Easy payment options – including online payments
  • Choose your monthly payment date & stay comfortable within your budget

Payment example: Borrow $10,000 for 36 months at 8.49% = $315.63 per month.
 

Get Started

Use this calculator to estimate your loan payment

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Secured Personal Loan

Current Best Rate: 8.49% APR* (as of 03/01/2026)

We will lend on new titled vehicles such as ATVs, dirt bikes, jet skis, wave runners, and snowmobiles. We also offer loans on new titled trailers including horse trailers, flatbed trailers, cargo, or craft trailers. Let us know what your passion is, and we’ll help you finance it!

  • Great low rates
  • Up to 100% financing on new collateral
  • Up to 60 month terms
  • Easy payment options – including online payments

Payment example: Borrow $10,000 for 60 months at 8.49% = $205.12 per month.
 

Get Started

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Savings or Certificate Secured Loan

Current Best Rate: 3.00% APR* above Share or Certificate Rate (as of 03/01/2026)

Our Savings Secured and Certificate Secured Loans offer a great option to obtain needed funds at low rates while still earning interest on your savings, but without having to cash in your investments. This is also an option to help those that are rebuilding their credit.

  • Low rates – and continue earning interest on your savings!
  • Share secured loan terms up to 48 months
  • Loan terms vary, up to the maturity of the Certificate
  • Easy payment options – including online payments

Give us a call at 303.202.5659 | 800.280.0234 or email us at loans@cudenver.com.

Alternative to a Personal Loan – Do you have a free and clear Auto? Use our Auto Equity Loan

Use your car for cash. Get cash at a low rate. Apply for an auto home equity loan

Current Best Rate: 4.95% APR* (as of 03/01/2026)

You may be able to take your free and clear titled auto or the auto loan you have paid way down and turn it into cash in your pocket.

Auto Loans typically have a lower interest rate, and you can use the accrued equity to fund the things you want to do, for less!

Get Started

Questions? Give our loan specialists a call at 303.202.5659 | 800.280.0234 or email us at loans@cudenver.com.

* APR = Annual Percentage Rate
Not all borrowers will qualify for the lowest rate.

1APR = Annual Percentage Rate. Offer valid on applications received from March 15, 2026 through June 15, 2026. Two-tiered special promotional rates: 6.95% APR is good for 36 months, up to $5,000. 7.95% APR is good for 60 months, up to $10,000. Monthly payment example of 36 month personal loan of $5,000 at 6.95% APR would be $154.27 a month. Monthly payment example of 60 month personal loan of $10,000 at 7.95% APR would be $203.21 a month. With Approved Credit & offered to borrowers with a Credit Score of equal to or greater than 700. Other terms are available but are subject to normal personal loan guidelines. Not all borrowers will qualify for the best rate and terms may vary depending on amount financed. Rates are subject to change. Current Credit Union of Denver (C·U·D) loans not eligible for refinance unless requalified with an additional minimum of $500 is added to current loan amount. No pre-payment penalty. C·U·D membership of $5 is required. Federally Insured by NCUA.