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Lighthouse Credit Union

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Debt Consolidation Options

Debt Consolidation

Paying down and paying off debt can be difficult.
We're here to help.

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A plan for debt management ​

Debt relief may be closer than you think. Our debt consolidation solutions are designed to simplify your finances by combining multiple high-interest debts into a single loan. The result is one predictable monthly payment and a clearer path toward your financial goals.

  • With our approach you can:
  • Receive one-on-one, personalized guidance to help identify the right solution for your situation
  • Manage and simplify your finances with a single monthly payment
  • Take control of your debt with the potential for a lower interest rate, a reduced monthly payment, or both
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Consolidate high-interest debt​

Some loans and credit cards carry high interest rates, which can make them difficult to pay down and pay off. Managing the monthly payments across numerous loans at different rates and terms is no easy task, either.

A consolidation loan rolls your outstanding loan and credit card balances into one loan, leaving you with just one monthly payment. This can leave your fixed-rate loans paid in full and reduce the balance on credit cards or lines of credit to zero.

One-on-one guidance

We’re here to help. Schedule a time to connect with one of our Member Service Representatives. We’ll work to understand your current financial picture and goals to create a strategy to help you pay down your outstanding debt more efficiently.

Let's make a plan

Managing monthly payments for numerous high-rate loans and credit cards can be difficult and stressful. Each loan likely carries its own terms and required monthly payment.

By consolidating your loans, you’re moving from managing multiple loans to making just one payment each month. A fixed rate and term means your monthly payment stays the same, often allowing you to pay down the balance faster.

Talk to a specialist

Debt Consolidation Loan Options

Personal Loan

Personal loans are a popular option for debt consolidation. No collateral is required, and your interest rate and payments remain fixed for the loan term you choose.

  • Fixed low rate
  • Choose your term - up to 60 months
  • Borrow up to $75,000
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Home Equity Loan

Utilize the equity in your home to pay off high-interest balances. Your interest rate and payments remain fixed for the duration of the loan term you choose.

  • Borrow up to 90% of your home's equity
  • No closing costs for first-time applicants
  • Fixed rate and payments for the term you choose
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Home Equity Line of Credit (HELOC)

Turn your home's equity into a flexible line of credit. A HELOC gives you access to funds when you need them, with monthly payments that are based on your balance.

  • Variable rate
  • Borrow up to 90% of your home’s equity
  • No closing costs for first-time applicants
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Rates

Membership means more at Lighthouse

Being a credit union member supports community impact by helping fund local programs through reinvested earnings. 

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Affordable Housing

We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.

Volunteering

Our employees are given paid time off to volunteer for community programs of their choice.

Local Organizations

We partner with organizations that help to enrich and nourish the lives of our neighbors.

Food Access

We fund programs that help fight food insecurity across our communities.