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In the coming weeks, MemberFocus members will begin receiving their new VISA credit cards.

LOC Cards- Your new credit card can now be activated!
MemberFocus Cards- New credit cards cannot be activated or used until June 24

Click here to learn more about your new card.

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Consolidation Loan

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Eliminate high-interest debt using a personal consolidation loan.

Are you feeling overwhelmed with high-interest rate debt that seems to be taking years to pay off? Let LOC help!

We’ve helped members reduce monthly payments and the amount of interest paid at other lenders by offering one of the best debt consolidation loans around. By using a credit card consolidation loan, you can simplify your high-rate personal loans and credit cards at other lenders into one low-rate personal loan.  It’s a great plan for settling credit card and other debt into one monthly payment. So what are you waiting for? 

Regardless of which option is best for your situation, we’ll help you conquer that financial fear of not being able to pay off debt.

Personal Loan Interest Rates

When you compare us against personal loans from banks and other personal loan providers, you'll find we have some of the best personal loan rates around.  We offer competitive rates for both short term personal loans and long term personal loans as well.

8.99% APR

Fixed Rate

up to 36 Months $30,000 Max

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10.00% APR

Fixed Rate

up to 60 Months; $30,000 Max

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APR = Annual Percentage Rate
Rate and term may vary based on credit score.

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See How a Personal Debt Consolidation Loan Can Help

How does a personal loan work? The table below shows a personal loan from LOC might be the best way consolidate debt by reducing your monthly payments to settle debt.  

 LOC Personal Loan*

Other Lender Loan or
Credit Card*

 Approx. Savings at LOC *

$10,000 loan at 7.99% APR
for 36 Months: 
Interest = $1,279

$10,000 loan at 18% APR for
36 months: 
Interest = $3,015


$15,000 loan at 8.99% APR
for 60 months: 
Interest = $3,678

$15,000 loan at 18% APR
for 60 months: 
Interest = $7,854


$25,000 loan at 9.99% APR
for 72 months: 
Interest = $8,337
$25,000 loan at 24% APR
for 72 months: 
Interest = $22,388

*Rates based on individual credit history, amount, and term of loan. Loans cannot be used to pay on existing loans at LOC. New money only. Estimated monthly payment on a loan at 7.49% APR equals $31.20 per $1,000 borrowed. 


Get Started Online

If you’re interested in applying you can get the process started today by applying online for your personal loan today.  

Apply Online 

Consult With Us In Person

If you prefer to speak with someone to go over your debt consolidation situation, come into an LOC branch for a free personal loan review today. Or make an appointment to speak with one of our Financial Success Specialists.

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Apply Online

Apply easily and quickly online for your next loan.

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Contact Us

Call/Text Us: 800.837.4562

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