It truly is the best time of the year – family gatherings, gift exchanges, parties, delicious meals and more. Don’t let the thought of holiday and credit card debt ruin the fun. Consolidate your debt, or pick up some cash for the holidays, with one low monthly payment from Pathways & Incenta!

Our low rates will save you hundreds of dollars in interest and help you enjoy the holidays!

  • Rates as low as 8.45%/8.52% APR*
  • As little as $20 a month per $1,000 borrowed
  • NO balance transfer fee
  • Pay down your debt and/or get cash for the holidays!



*APR=Annual Percentage Rate. Rates effective as of October 1, 2019, and are subject to change. Credit score of 740+ required for 8.45%/8.52% APR; APR includes $35 processing fee. Your interest rate and repayment terms will be based on your individual credit history and may be different from rates quoted above. Monthly payment example of $20.00 per $1,000 borrowed based on loan amount of $20,000 over 60 months at 8.52% rate. Minimum loan amount is $500. Offer valid through March 31, 2020. To obtain additional information, please contact your local branch.