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Consolidation Loans

Want to be debt free in 2019?

Consolidate Your Debt and Save! Make monthly payments more manageable by combining your higher rate debt into one low monthly payment.

  • Rates as low as 8.95% APR*
  • Lower your rate an additional 0.50% when enrolled in automatic payments*
  • Borrow up to $20,000
  • Terms up to 60 months

Apply Now    View Rates

*APR = Annual Percentage Rate. APR is accurate as of publication date and is subject to change. APR is based on qualified credit. Automatic payment enrollment applicable from any Valley Oak or other financial institution checking account. Depending on your credit and income, you may borrow up to $20,000 for a maximum 60-month term. Some restrictions may apply. Offer can expire any time at the sole discretion of Valley Oak Credit Union. 8.95% APR financing is 60 payments of $20.73 per $1,000 borrowed.

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