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1600 Memorial Drive, Houston, TX
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Simplify Your Payments.
Take Back Control.

Consolidate your high-interest debt with a personal loan and get a chance to have up to $10,000 of your debt paid off.

APPLY NOW β†’
Safe. Secure. Member Focused.
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One Simple Payment
Combine multiple balances into one manageable payment.
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Lower Your Interest
Stop wasting money on high-interest credit card rates.
Rates as Low as
9.00%
APR*
A lower-rate option compared to high-interest credit cards.
View All Rates β†’

Feeling Stuck Paying High-Interest Debt?

High credit card interest can make it hard to get ahead. With multiple payments and rising balances, it can feel like you’re not making any progress.

With a personal loan, you can simplify your payments, lower your interest, and take back control.

The Benefits of Consolidating Your Debt

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Lower Your Interest

Stop wasting money on high credit card rates and keep more of what you earn.

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One Simple Payment

Combine multiple balances into one manageable monthly payment.

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$10K Payoff Chance

Fund your loan and get entered for a chance to have up to $10,000 paid off.

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Limited-Time Offer

Apply by June 30 for your chance to win.

How It Works

Getting started is easier than you think.

1
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Apply for a personal loan

It only takes a few minutes to get started.

2
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Pay off credit cards

Use your loan to simplify your high-interest debt.

3
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Fund your loan

Once funded, your loan is in place and you’re all set.

4
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Get entered to win

Get a chance to have up to $10,000 of your debt paid off.

A Financial Partner That Has Your Back

At Houston Police Credit Union, we’re here to support our members every step of the way. With competitive rates and a member-first approach, you can feel confident taking control of your finances.

Don’t Keep Paying High Interest. Take Control Today.

Apply today and take the first step toward simplifying your payments, lowering your interest, and getting entered for a chance to have up to $10,000 of your debt paid off.

APPLY NOW β†’

Offer valid May 4, 2026 through June 30, 2026. Must be eligible for membership with Houston Police Credit Union. All loans subject to credit approval. To qualify, member must obtain a new personal loan (refinances are not eligible) with a minimum loan amount of $5,000 and have the loan funded by June 30, 2026. Each qualifying funded loan will receive one (1) entry into the promotion. One (1) winner will be selected from eligible entries received in May and one (1) winner will be selected from eligible entries received in June. Winners will be selected at random at the beginning of June and July, respectively. Odds of winning depend on the number of eligible entries received.

HPCU will pay up to $10,000 toward the outstanding balance of the qualifying personal loan only. If the loan balance is less than $10,000, only the remaining balance will be paid. If the loan balance exceeds $10,000, the member is responsible for any remaining balance. Promotional funds may only be applied to the qualifying personal loan opened during the promotional period and may not be applied to any other loan or obligation. Winners will be notified by phone or email using the contact information on file. Prize is subject to tax reporting and may be reported on IRS Form 1099-MISC. No purchase necessary. To enter, mail us your name and contact information on a 3x5" index card to 1600 Memorial Dr., Houston, TX 77007. Odds of winning depend on the number of entries received. Houston Police Credit Union employees, Board members, volunteers, their immediate families, and those in the same household are not eligible for this promotion. Certain restrictions, terms, and conditions apply. Offer subject to change or cancellation without notice. Membership eligibility required. Federally insured by NCUA.

 

APR = Annual Percentage Rate. All loans subject to credit approval. Variable APR personal, line of credit, savings secured and Share Certificate secured loans are subject to change based upon changes in the following index: the average of the next three (3) auction average rates quoted on a bank discount basis for 26 week treasury bills issued by the United States Government, as published by the Federal Reserve Board for the week in which the rate is contracted for, beginning 60 days prior to the date of change. Upon a minimum 45-day advance notice, adjustable APR credit cards are subject to change based on market conditions. Variable APR HELOC loans are subject to change with the market based on the Prime Rate. Certain credit criteria, terms and restrictions apply. Rates are based on a combination of credit score, the eligible term selected, collateral and other lending criteria. Credit score will be established by TransUnion FICO 9. Rates, terms and conditions are subject to change without notice. For more information, please contact Houston Police Credit Union at 713.986.0200 or 800.927.8707.