Debt Consolidation

An SVFCU Debt Consolidation Loan can help you convert higher-rate credit card balances and loans at other institutions into a single loan with manageable monthly payments. By financing at a lower rate, you'll enjoy substantial savings in the long run.

If you use multiple SVFCU services, you may qualify for our Gold Star Member rate discount to take an additional .5% off the standard interest rate of your loan! Convenient automatic payment options are available.

Choose from several financing options:

  • Secured Consolidation Loan - offers the lowest-possible interest rate by using a vehicle title or shares as collateral;
  • Signature Consolidation Loan - a personal loan not secured through equity or savings
  • Home Equity Loan - which uses the equity in your home as collateral and can often provide sufficient funds to consolidate both small and larger loans such as automobiles or education expenses.

Benefit from flexible terms that meet your needs. We offer a variety of payment options, including automatic transfer or ACH. Low-cost Life and/or Credit Disability insurance is available for your added peace of mind.

Although debt consolidation won’t immediately improve your credit score, it can help you to effectively manage and reduce your debt over time.
Or Call 800-948-1454 or email a loan officer today for more information.