0% APR¹ Balance Transfer for 12 Months
Find your center with an XCEL VISA Platinum Rewards Credit Card. Enjoy no annual fee, credit limits up to $25,000, and generous rewards.
Explore these great offers and leave the rest to us.
Auto Loan Refinancing²
Switch gears to an XCEL Auto Loan and increase your savings with reduced payments. Enjoy lower rates with flexible terms up to 84 months.
Debt Consolidation rates as low as 9.49% APR³
Step into your future with an XCEL Debt Consolidation Loan. Combine debt into manageable, stress-free payments, and improve your credit score along the way.
Disclosures
¹0% APR Balance Transfer for 12 Months
APR=Annual Percentage Rate. This Balance Transfer offer is valid for balance transfers made between January 1, 2025, and March 31, 2025, and cannot be transferred. A 0.00% APR applies for 12 billing cycles from the transaction date. The offer is subject to change or withdrawal at any time and will end on March 31, 2025.
Further, the offer is subject to change based on borrower eligibility, income verification, an evaluation of credit history and other underwriting criteria. Terms of this offer may not be applied to existing XCEL loans and may not be combined with other XCEL offers. You may need to authorize XCEL to check your credit history. Additional information, such as paystubs to verify employment may be required. Life, Disability and Unemployment protections are available on all loan products for an additional fee.
Credit cards are variable rate based on the Prime Rate as published in the Wall Street Journal and are subject to adjust monthly. See credit card terms and conditions on the XCEL website for more details. Monthly payment is 3% of the outstanding balance or $10, whichever is greater. There is a Balance Transfer Fee of 2.00% for balance transfers made from January 1st, 2025, to March 31st, 2025. After that, the Balance Transfer Fee is $10.00 or 3.00% of the amount of each balance transfer, whichever is greater. Cash Advance Fee is $5.00 or 2.00% of the amount of each cash advance, whichever is greater.
²Auto Loan Refinancing
Rates and terms are based on an evaluation of credit history and are subject to XCEL’s underwriting criteria. Loan programs, rates, terms, and conditions are subject to change at any time without notice.
³Debt Consolidation rates as low as 9.49% APR
APR=Annual Percentage Rate. 9.49% is based on credit worthiness and other factors. Rates and terms are based on an evaluation of credit history and are subject to XCEL’s underwriting criteria; therefore, your rate may differ. Loan programs, rates, terms, and conditions are subject to change at any time without notice.