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Debt Consolidation

Experience financial freedom with a Fresh Start

Consolidate your high rate credit cards, small personal loans and medical bills with a Fresh Start debt consolidation loan. Lower your monthly payments and celebrate the payoff.

New! 1% off your next loan rate:

  • As low as 12.24% APR* when you apply for a Fresh Start loan and enroll in direct deposit and auto pay

What you get with a Fresh Start debt consolidation loan:

  • Consolidate debt to one loan to repay versus multiple loans
  • Flexible terms for affordable payments
  • Easy online pre-approval in minutes
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Tell your Friends. Get $50! 
You'll both receive $50 when you refer a friend or family member.

Start Referring

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Easy Payment Options
Take care of your bills automatically with recurring or one time payments.

Explore Options

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Discounted Loan Rates
Save money on your payment just for being a loyal member.

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Calculate your Payment
Use our calculators to get an idea of what your payment could be.



Easily manage your loan

Sign up for digital banking in minutes online or at any branch location and download the mobile app to take us wherever you go.

Solutions for every aspect of life

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A loan for your every need, location, home improvement, you name it!

Personal Loans

Find your nearest location and stop in to see us!

Our Locations

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Our Free Checking account features all of the basics you’ll need!

Free Checking Details

*APR=Annual Percentage Rate. Refinances of eligible Wanigas Credit Union loan(s) qualify for member discount at today’s rates. The Loyalty Discounts exclude lines of credit, Greenlight Loan, mortgage, home equity, and commercial loans. Direct Deposit of the payroll is required. If Direct Deposit and Auto Pay requirements are not maintained, you may be subject to a Direct Deposit/Auto Pay Cancellation Fee in the amount of $125.00.