Consolidate your debt into one low-rate monthly payment

Combine your debts into one low payment


Start the year with a new low monthly payment and pay off your debt faster!

With just a few quick clicks, you can consolidate all of your holiday and credit card debt into one low payment.

Consolidate your holiday and credit card debts and your home loan with our 12-Year Fixed Rate Mortgage with No Closing Costs. Or select our Pathways ARM “Difference Maker” 7/1 Adjustable Rate Mortgage. Attractive 15 and 30 year fixed mortgages are also available for you!

You can also use the equity in your home by consolidating debts with our Power Equity Home Equity Line of Credit with No Closing Costs.

Consolidate your debt at Pathways now and you could save thousands of dollars in interest charges and fees starting today. Pathways makes it easy to apply.

Save thousands in interest rates

If you have $10,000 in credit card debt, you could save $8,309 by consolidating with a Power HELOC.

Based on a sample credit card rate of 17.41% APR*, you could pay as much as $11,168 in total interest payments to your credit card company. By consolidating that debt with a Power HELOC as low as 5.24% APR*, you would pay as little as $2,859 in total interest, saving you $8,309 (while paying off your debt faster).**


Apply Today!

Pathways makes it easy to apply and pay! Log in with your Pathways account and complete the short application. Don’t have an account yet? No problem! Just click “Sign Up” and create your account.

Questions? We are here to help. Call our Loan Center at (614) 416-7588, text APPLY to (614) 340-4100 or visit any of our Central Ohio locations.

Apply now before rates rise.

Apply Now




*APR = Annual Percentage Rate. Your interest rate and repayment terms will be based on your individual credit history, property values, and other qualifying factors and may be different than rates quoted above. Credit score of 740+ required for rates listed above. All rates effective January 1, 2019 and are subject to change at any time without notice. Worry Free 7/1 ARM – Interest rate fixed for the first seven years at 3.875% with an APR of 4.462%. EXAMPLE: a 7/1 ARM, 30 year Worry Free mortgage, 0 points. A $150,000 mortgage will be paid in 360 monthly installments of $705.36 during the first 84 months. Based on the current index and margin, the payment would adjust to $776.53 for the next 12 month period with subsequent rate adjustments occurring every 12 months. Initial discount rate reflects a reduction in effective rate until the first adjustment after the fifth year to the 1 Year Treasury Constant Maturity as published in the Wall Street Journal, presently 2.63%, plus a margin of 2.875%.Interest rate available for loan amounts between $50,000 and $453,000. Annual Percentage Rate (APR) reflects 85% Loan to Value based on appraisal. Rate caps are a maximum 3% adjustment every one year and a maximum 6% increase over the life of the loan. Example includes an estimated closing cost of $3,131. 12-Year Mortgage -Fixed 12-year mortgage interest rate assumes a $100,000 loan amount for qualified buyers with a maximum LTV of 80%. Minimum loan amount of $50,000. Existing Pathways Financial loans: closing cost fee of $1,025 charged for all Pathways Financial mortgage loans refinanced to a lower rate under this program. Power Equity Line of Credit – Maximum credit line of $100,000; maximum LTV of 80%. Closing cost fee will be assessed if HELOC is closed within 3 years of opening. The draw period on your HELOC will be available for 10 years, followed by up to a 10-year repayment period. This line cannot replace a first position mortgage and must be in first or second position. Minimum line issued is $25,000.


**National Average for credit card rate is as of 1/2/2019 from Total interest paid on credit card in example is based on 2% minimum payments for 120 months. Pathways HELOC rate of 5.24% was used in this example. This rate is based on a credit score of 740 or higher; your rate may be different based on your individual credit score.