Consolidation Loans
Simplify your monthly payments with rates as low as 5.50% APR*.
Multiple payments can add up fast each month — a card here, a loan there, each with its own due date and its own rate creeping upward. It's easy to lose track, and easier still to fall behind. Roll your credit cards and loans into a single BCSCU loan with one fixed payment — and a rate that's easier to live with.
Gain peace of mind with one easy payment
Free up room in your budget
Apply in minutes
Why Choose a BCSCU Consolidation Loan
Clarity, Not Fine Print
Know exactly what you owe and when it's paid off with one fixed rate, one fixed payment, and no surprises down the line.
Built to Save You Interest
We're member-owned, not shareholder-owned, so our rates are built to beat what you're paying on your cards today, not to maximize profit.
Real People, Real Fast
Your loan officer lives in this community too. Decisions happen right here, so you're not waiting on someone three states away.
Get Started
Simplifying your monthly payment is easy and only takes a few minutes.
Apply now, by phone, or in person
Get a quick, local decision
Receive funds fast once approved
We’re Here to Help
Not sure how much to borrow or what payment fits your budget? Our team is here to help you choose the right option.
Call: (541) 754-7765
Toll-Free: (800) 807-7893
Email: loans@bcscu.org
*APR = Annual Percentage Rate. Rates as low as 5.50% APR; your actual rate is based on creditworthiness, loan term, and may be higher. Rates and terms subject to change without notice. Payment example: $10,000 loan at 5.50% APR for 36 months = $302 per month. Maximum loan amount is $17,500 and credit cards or loans included in the Consolidation Loan must be closed.