You’re making the payments. You’re just not getting ahead.
When five balances are all moving at once, that's usually not a discipline problem — it's a math problem. A personal loan can turn those payments into one, at a rate with an end date you can actually see. Here's how to tell whether it would help, and what it would cost.
You don't have to be a member to start the conversation.
Not sure it applies to you? See if this sounds familiar.
My personal loan experience was stress free
Tania De La Cruz was a pleasure to work with during a debt consolidation loan from beginning to end!
2,900+ 
reviews, 4.8★ across both branches
2023 National Credit Union of the Year
Serving Iowa since 1949
CDFICertified CDFICertified by the U.S. Treasury’s CDFI Fund to serve low-income communities
Any of this sound familiar?
You pay every month and nothing shrinks
Minimums on three cards, a medical bill, an old loan at a rough rate. Most of it goes to interest, so the balances barely move. Rolling them into one fixed payment is how that stops.
Something broke and it couldn’t wait
The transmission, the vet, a flight home you didn't plan for. It went on a card because that's what was there. A loan at a normal rate is the cheaper way to carry it.
Someone already told you no
If you were declined on a score alone, that's the conversation we're built for. We look at the whole picture, and if the answer is still no, you'll leave knowing exactly what would change it.
One payment. One human. Breathing room.
No teaser rate, no runaround. We look at your whole picture, tell you what's realistic, and put it in a fixed monthly payment with an end date you can see from here.
The honest part about consolidation
- A loan moves the debt; it doesn't erase it
Consolidating can lower your rate and turn five payments into one. It only gets you ahead if the cards stay paid off after. - The lowest payment isn't always the lowest cost
Stretching a balance over more years shrinks the payment but can grow the total interest. We'll show you both so you choose with eyes open. - If a loan isn't the answer, we'll say so
Sometimes the right move is a plan, not more borrowing. Our coaches do that for free, and we'll point you there instead of selling you a loan.
We'd rather lose the loan than watch you end up deeper. That's the whole point of a member-owned credit union.
The first step might not be a loan.
Not sure borrowing is the right move?
Good instinct. Sometimes the answer is a plan, not a loan. Affinity offers free financial coaching: no account required, no pressure, just a conversation about where you are and what would actually help. A quick, free conversation can tell you whether a loan helps, or whether a plan helps more.
- Free
- No account required
- No pressure
Gage Smith, AFC · Accredited Financial Counselor · 515-777-7824 · gsmith@affinitycuia.org
Would this actually make your month easier?
Put in what you owe and see what one payment would look like. No login, nothing personal, and nothing that touches your credit — so you can find out before you talk to anyone.
Estimates only — not a commitment to lend. Your actual rate, payment, and term depend on your credit and the term you choose.
“…we ended up consolidating some other debt. It was totally unexpected & awesome to be able to do that with them!”
Joanie, review, May 2022
Why there isn’t one rate on this page
Because the honest answer is that it depends — on the amount, the term, your credit, and whether securing it earns you a better number. A single headline rate would only be true for a handful of people, and you'd find out you weren't one of them at the worst possible moment. So we post the current ranges in one place, and we tell you your number, based on more than a score, before you commit to anything.
See our posted loan rates and terms any time.
Meet your lending team
Real people who pick up the phone, not a call center. Ask for anyone.
If it helps, it's here
Auto loans
Refinancing or buying: real numbers from a real person, even if the bank said no.
Home equity
Own your home? A HELOC or fixed equity loan can consolidate debt at a lower rate, secured by your house.
Free financial coaching
Not sure borrowing is right? Talk it through with a coach first. No account required.
Common questions
The hardest part is usually the asking. After that, it’s just math.
Rates and terms vary by credit and term. Membership required.