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Use a Certificate of Deposit or Share Account as collateral when in need of a loan.

Here’s how credit card consolidation works: You first decide if you want to take out a new loan, open a new credit card or enroll in a debt management plan (more on that later).

Visit any of our conveniently located branches in Philadelphia, Bucks County, Montgomery County, PA and NJ for all of your financial needs.

Members in Washington Township, NJ area can stop by our branch on Route 42. Laurel, Cherry Hill area can stop by our branch on Lenola Road across from the Moorestown Mall. Contact our Call Center at 800-673-1836 and one of our knowledgeable Telephone Member Service Representatives can guide you through your Home Equity Line of Credit application process.

PFFCU has conveniently located branches in Philadelphia, Bucks County and Montgomery County, PA and NJ. Laurel, Cherry Hill and Washington Township can stop into our two NJ branches to get a Home Equity Line of Credit.

Our Moorestown Mall branch on Lenola Road, across from Macy’s, is easily accessible from Mt. Members in the Washington Township area enjoy the convenience of our branch on Rt. Come to PFFCU for the best home equity loan in Bucks County, PA, Montgomery County, PA, and best home equity loan in Cherry Hill, Mt. PFFCU offers the best home equity loan rates in Mt Laurel, NJ, Cherry Hill and Washington Township, NJ, and the best home equity loan rates in Bucks County, Montgomery County, PA.

To consolidate all of your debts, your first option would typically be to approach your bank or credit union and see if they can help you.

With Freedom Plus, there are a few options for getting discounts on your interest rate: Co-sign discount: Freedom Plus encourages co-signers and rewards borrowers who have one by lowering the interest rate.You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Nerd Wallet rating: 4.5 / 5.0 Good for: Good credit, debt consolidation, co-signers Freedom Plus is an online lender with an old-school, personalized touch: When you apply for a loan, you’ll have a 15- to 20-minute phone call with a company representative.This is a chance to discuss your debt situation and provide information that could lower your interest rate on a loan, such as having a co-signer or a retirement account.For example, if you initially qualify for a loan at a 15.99% annual percentage rate, adding a co-signer might reduce that rate to 10.99%, Toms says.Direct pay discount: Freedom Plus offers an option to have the money you borrow go directly to pay off creditors, a feature that few other online lenders offer.

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The above rate represent the lowest possible rate currently offered.

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