Man on tablet

Debt Consolidation

Unexpected relief. Easier Payments


You are financially responsible. You're making your payments on time and yet...the balances just aren't going away.

Throw in multiple payments each month. Overwhelming interest rates. Economic uncertainty. Some days you wonder if you can get by.


Imagine waking up tomorrow feeling like you made a very smart move. The exact move you need to make to feel like you're in control of your money. The move that's going to put all of your debt in one place, with a single payment, and a lower rate.

You're imagining a Debt Consolidation Loan.

  • Slash your rate

    Slash your rate

    Your credit card rate is probably rubbing elbows with 20%. Lowering that number means you're putting more money towards paying down the balance.
  • Single payment

    Get a single payment

    What payment is due when? How much? The question game is over. Get yourself to a single payment each month for easier money management.
  • Circle your done date

    Circle your done date

    Unlike your credit cards, Debt Consolidation loans have a payoff date. Circle that date. Cause when you get there you are DONE with the debt.
  • Pick the right term

    Pick the right term

    Your debt consolidation loan includes flexible terms from 12 to 60 months. Pick a term that gives you a monthly payment you can work with.
  • Nudge your score

    Nudge your score

    Consolidating pays off your credit cards, and that lowers your credit usage. Lower usage can bump your score up.
  • Jumpstart your dreams

    Jumpstart your dreams

    Getting your debt under control means you can focus on savings. Buying a house, taking a vacation, paying for college. Get those dreams off the back burner.
I'm ready to apply (Opens in a new window)

"I am so relieved. I finally feel like I have a financial future."


  1. 1

    Get your info together

    Determine what debt you're including. If you're consolidating credit cards, you'll need to provide your credit card account numbers and current balances.
  2. 2

    Apply online

    Applying for the loan is fast, easy and online. Request the amount needed to pay off your cards. Apply for as little as $500 or as much as $25,000.
  3. 3

    Get your check(s)

    After you're approved, you'll receive checks to pay off your cards.
  4. 4

    Stop Swiping

    You're human. You'll be tempted to use your card or apply for new ones...but you just got things under control.

"I didn't know a credit union could help me!"

Let's be sure we can. Here's how you can qualify for an MHV Debt Consolidation Loan.

Your credit card interest rate is overwhelming, but you're not behind on any payments yet. 

 Your credit score is holding steady somewhere above 640. 

You're not trying to lower or consolidate a student loan. 

*APR = Annual Percentage Rate. Rate available to member in good standing, based on credit qualifications, approved starting August 14, 2023 for loans from $500 and to $25,000. Rate reflects .25% discount for automatic payments from your MHV savings or checking account. As an example, a 36-month term with a fixed rate of 8.74% APR would result in an estimated payment of $31.62 for each $1,000 financed. Subject to change or terminate at the discretion of MHV. Federally Insured by NCUA.