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Debt Consolidation Options

Debt Consolidation Options

You have options. We can help.

Consolidate high-interest debt​

Guidance to choose the best fit option for you with one-on-one, personalized help and resources​

Stress-free plan designed to keep all your debt in one place for simple management​

There are better ways to manage debt

Let’s take the stress out of your finances and make debt relief a reachable goal. Schedule an appointment to talk with a Debt Consolidation Specialist today.

FROM OUR COMMUNITY

“Excellent customer service!! Been doing business here for quite a few years. Very patient and professional. They go above and beyond!”

Paul N.

Loan Rates

Current interest rates

Loan TypeTermAPR As Low As1Description
Signature Loan (Personal)Up to 60-Months11.69%$75,000 Maximum
Certificate Secured Loan (Lighthouse CU)120-MonthsCertificate rate plus 3.00%Borrow up to 95% of certificate balance
Credit Builder LoanUp to 24-Months7.99%Minimum loan amount of $500; maximum loan amount of $2,000.
Effective date: June 16, 2025

General Loan Disclosure

Rates shown as an Annual Percentage Rate (APR) and is subject to change without notice. APR is accurate as of date listed above.

Signature Loan

  1. Rates include loan discount. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active Lighthouse credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Rates and amounts financed are determined by your personal credit history, account relationship and payment method. Other terms and rates may be available. All loans are subject to credit approval.
  2. The terms of repayment, which reflects the repayment obligations over the full term of the loan. A payment example is 60 monthly payments of $21.60 per $1,000.00 borrowed.
  3. Minimum term during repayment period is 12 months and maximum is 60 months.
  4. The personal loan APR* (Annual Percentage Rate) is based on credit score and risk-based pricing. The maximum APR is 18%. Please refer to our Personal Loan Rates for current rates.

Signature Loan, Credit Builder, Certificate Secured Loan

  1. Rate is fixed and will not change during the repayment period.

Start making an impact today

Let’s put your money to work for good.