Personal Loans
Simplify your debt with an MHV debt consolidation loan. Combine multiple balances into one manageable payment and take greater control of your finances.
signature loan, unsecured loan
Personal Loans & Lines of Credit. No hassle.
No hidden fees. Fixed rates. No prepayment penalties and no application or origination fees — just flexible funds for whatever life brings your way.
Pay less to borrow with MHV
No prepayment penalty
No application or origination fees
Get your funds fast
Use a personal loan to fit your needs
Consolidate Debt
Erase credit card debt and save hundreds on interest charges.
Home Improvement
Renovate and refresh without tapping into your home's equity.
Medical
Avoid charging unforeseen medical expenses to higher-interest credit cards.
Vacation
Make that dream destination a reality!
Getting a personal loan is quick and easy
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Get Your Funds
Compare our personal loan options
Personal Loan
7.49% APR*
Ideal for borrowing money for a one-time expense with no hidden fees. You’ll receive the total amount of your loan as a lump-sum with a fixed interest rate and a fixed monthly payment.
Line of Credit
12.99% APR*
Looking for a source of cash to use as you need it? A Line of Credit gives you the ability to access funds only as you need them — for emergencies, overdraft protection, or small projects — all with no hidden fees.
Debt Consolidation
7.49% APR*
Combine higher-rate balances into a single payment with a fixed rate and no hidden fees. Perfect for getting ahead of higher-rate credit card debt.
Estimate your monthly payment
Getting a personal loan is quick & easy
Make MHV your everyday bank.
Your personal loan makes you a member. Bring your everyday banking home with free Checking, and put a low-rate MHV Visa to work for the way you spend.
Lower Loan Rates
Member rates beat most banks on auto, home, and personal loans.
Higher Savings Yields
Share Certificates with higher rates — earn more on your money.
Free Financial Coaching
One-on-one guidance to reach your financial goals.
Local Decisions
Approvals made by people who live in your community.
Commonly Asked Questions
Debt consolidation is the process of combining multiple debts into a single loan, ideally with a lower interest rate and a more manageable payment plan.
Don't wait until your debt becomes unmanageable. Consolidating early helps reduce your financial stress and may save you money in the long run.
If you're struggling to keep up with multiple debts or high-interest payments, consolidating your debt can make your life easier and less stressful.
*Rates as of September 2026 and subject to change without notice. APR means Annual Percentage Rate. Personal loans from $300 to $25,000 are available to eligible members in good standing, subject to credit approval. Advertised “as low as” APRs are available to qualified applicants; your actual APR may be higher based on your creditworthiness. The advertised APR includes a 0.25% discount for automatic payments from an MHV savings or checking account. At 7.49% APR, a 47-month loan would have an estimated monthly payment of $24.62 per $1,000 financed. Jumbo personal loans are available up to $35,000; rates and terms may differ. This offer does not apply to refinancing an existing MHV personal loan. Federally insured by NCUA.