What does debt consolidation mean for me?

Consolidate other debt

Instead of making payments to multiple creditors each month, make the wise choice and get a Personal Loan to consolidate them all. Debt consolidation can potentially lower your interest rate, reduce your monthly payments, and shorten the time it takes to pay off your debt. 


How does debt consolidation work?

By consolidating the money you owe, you can stop juggling bills with balances that don’t seem to be getting paid down. In fact, debt consolidation sometimes represents some one’s best chances for progressing down the road to financial wellness, or perhaps finding their way back on it.  A Consolidation Personal Loan is able to take mutiple higher-interest bills and consolidates them into a single, fixed-rate monthly payment through the loan’s maturity. Bill consolidation can also provide some breathing room for those under the weight of extreme debt, as well as establishing some built-in safeguard against running up additional debt. Interested in seeing how much debt consolidation can help you? Use our free-to-use calculator and see how much you can save!


Calculate how much you could save by choosing wisely 



*Annual Percentage Rate. Personal Loan offer valid on all applications received beginning June 1, 2019 until August 31, 2019 (Payment example: Loan amount of $1,000 at 2.49% APR for 12 months would have a monthly principal and interest payment of $84.34). Loan amount must meet $1,000 minimum requirement. New money only. This offer cannot be combined with any other offers. Subject to HawaiiUSA’s loan terms and conditions. Membership guidelines may apply. Insured by NCUA.