Simplify your finances with one convenient payment.
Consolidating higher-interest balances into a single loan may help make managing your finances easier and more predictable. Our team is here to help you explore your options.
*Subject to credit approval.
Why choose a Consolidation Loan?
Combining eligible balances into one loan may help simplify your finances and make monthly payments easier to manage. Our local lending team is here to help you explore your options.
Simplify multiple payments
Combine eligible debts into one convenient monthly payment and reduce the hassle of managing multiple due dates.
Easy application process
Apply online or connect with our team to get started with a straightforward application process.
Local lending decisions
Work with a local team that understands your needs and can provide timely lending decisions.
Personalized service
Get guidance from friendly financial professionals who are committed to helping you find the right solution.
Optional Debt Protection
Ask about Debt Protection options that may help provide additional peace of mind for your loan.
What our customers say
Excellent service, excellent products and loans, excellent staff! I can't thank Tracy in Cloquet enough for all of her help, her kindness, her expertise. The excellent, excellent (have I said "excellent" yet?:) customer service in both Cloquet and Moose Lake is very refreshing and much appreciated. You are all top notch!
I loved NCU since way back when it was Potlatch Credit Union, almost a lifetime of membership! They’re always so helpful in what ever needs I have. Whether it’s a loan, setting up a new account, or cashing in my change, they do it all!
I became a customer about 40 years ago because their loan rates were low, they were dependable and knowledgeable, and their customer service was outstanding. The same still holds true today.Thank you for making financial decision-making easy.
Make informed decisions with our resources
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1
Let's talk
Tell us about your goals and the debts you'd like to consolidate.
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2
Explore solutions
We'll help you review available loan options and answer your questions.
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3
Move forward
Finalize your loan and enjoy the convenience of managing fewer payments.
Let's find a solution that works for you
If you're managing multiple payments, a consolidation loan may help make repayment easier. Our team is here to help you explore your options and move forward with confidence.
Rates
| Terms | APR* as low as | Monthly payment per $1000 borrowed - maximum term |
|---|---|---|
|
Up to 60 Months3 |
|
$21.60 - $25.37 |
Rates effective as of: August 26, 2026
*APR = Annual Percentage Rate.
2 Rates are determined based on the creditworthiness of the applicant.
3 Terms are determined based on the creditworthiness of the applicant and by the loan amount.
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