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Hope & Relief Consolidation Loan

Debt Consolidation Calculator

How much debt are you looking to consolidate?
Consolidate this much debt:
for 36 months
and your monthly payment will be as low as:
Payment Amount
for 60 months
and your monthly payment will be as low as:
Loan Amount
for 72 months
and your monthly payment will be as low as:
Loan Amount

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Calculations use lowest possible rate, and your rate and/or payment may differ. Rates used in payment calculations above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.

Ready to Simplify Your Debt?

See whether Hope & Relief could help bring your eligible debts into one manageable monthly payment.

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Help Protect Your Loan Payments Against the Unexpected*

Life doesn’t always go as planned. Member’s Choice™ Borrower Security is optional debt protection that may cancel or reduce your eligible loan balance or payments, up to contract maximums, if a covered event such as death, disability, or involuntary unemployment occurs.

learn about borrower security

*Certain restrictions apply. Some products may not be combined with other Democracy FCU discounts. Loan decisions based on member qualifications and credit score.

**APR = Annual Percentage Rate. Rates subject to change.