What are the benefits of a debt consolidation loan?
Save Money
Save money by combining multiple higher-rate loans into one loan with a fixed rate.
Easier Budgeting
Easier budgeting with set monthly payments and fewer loans payments to manage.
90 Day Deferral on First Payment2
Option to defer your first payment up to 90 days.
No Origination Fee or Prepayment Penalty
We removed these fees and penalties to save you money and frustration.
Get Pre-Qualified for a Debt Consolidation Loan
Get pre-qualified for a debt consolidation loan instantly with just a few questions. You’ll immediately see what rate you may be eligible for, without a hit to your credit score. It’s as easy as shopping online, or finding a movie to stream!
After entering your mobile number, fields in the application are prepopulated making it quick and easy
See your estimated rate and payments without impacting your credit score
Know upfront what you can save by refinancing loans from other financial institutions
Don't spend another month weighed down by high interest debt:
Apply
for a loan today!
You can also visit one of our branches to speak to a member of our team. We'll work to get your loan approved and get you your funds quickly (borrow $500 - $50,000) so you can begin working towards a debt-free future!
Debt Consolidation Calculators
Loans options for debt consolidation
Debt180° Consolidation Loan
Debt consolidation can help when you have many loans across several financial institutions. The variety of terms, rates and monthly payments can be confusing to manage. Consolidating debt into a single loan can help. With a great rate and a low monthly payment, a debt consolidation loan can help get you back on track. Debt180° consolidation loan is an unsecured loan for up to $50,000.
Home Equity Loan
If you have equity in your home, a home equity loan may be a way to remove debt. Leveraging the equity in your home can be an excellent way to access funds at a low rate. Get help from Truliant when you need to pay off high-interest debt or almost any other large expense.
A home equity loan features a fixed rate and you get the full borrowed amount funded upon approval. Thus, it’s closer to a secured loan with your home as collateral.
A home equity loan is best for fixed expenses, like debt, since you get the funds up front and the rate doesn’t change. Whether it’s a home equity loan or credit line, be sure that your budget can afford the payments. While home equity rates are very low, your home secures the loan. If you don’t pay it back, your lender may foreclose or force you to sell your home to pay the debt.
How does debt consolidation work?
When you feel like you're drowning in payments, a debt consolidation loan can help. Truliant debt consolidation loans help members combine debt into a single loan and pay off others loans. This helps them to concentrate on paying down debt with one easy, low payment.
Best of all, with extended terms and lower rates, you may even be able to save money in the short and long term.
When is debt consolidation a good idea?
When it comes to managing debt, you have options. If you answer “yes” to the following questions, debt consolidation might be right for you.
Are you juggling multiple debt obligations?
Have you tried keeping up with separate payments on your own without success? If you find yourself only making minimum payments or getting overwhelmed with tracking your due dates, a consolidation strategy could help.
Do you have a significant amount of debt that isn’t equal to more than half of your income? If your debt is on the lower side, you may be able to tackle it with extra focus and elbow grease. If your debts are $10,000 or more, consolidation could help, but only if you have a consistent income to help you pay it back.
How to Pay Off Your Debt
Debt: it's easy to acquire but paying it off can be a challenge. Not only are there different payment strategies to consider, but you also want to ensure you don't end up back in debt or further away from meeting your financial goals.
Truliant can empower you with the knowledge, skill and tools to overcome your debt. Even better: we'll provide guidance so you can learn to better avoid debt in the future. Explore the Truliant Learning Center filled with useful sections focused on meeting your financial goals, saving and budgeting, personal finance and more.
I can’t say enough nice things about Truliant. They have gone ABOVE and BEYOND to help me consolidate debt. Had I known the level of service offered by Truliant, I would have switched my accounts a LONG TIME AGO!
Truliant is patient with me when explaining my membership. I came the next day to get my brother a new account too. Everyone is nice to us and helped me to consolidate the debts on my credit cards.
They know what I need and how to take care of me when I need it. Truliant is nice and polite, they know how to help you in the best way possible. I love this bank.
Very professional and very helpful in my transaction. They also let me know about the current loan rates, which were very efficient.
When it comes to consolidation loans, Truliant is awesome. They offered me better rates and credit limits. Other banks offered $20,000, Truliant offered me $60,000 with lower closing costs and lower interest rates.
Rates and terms are subject to change. Loans are subject to credit approval. Terms range from 6 to 84 months.
(1) APR = Annual Percentage Rate. The range of fixed rates is 9.24% APR to 18.00% APR.
(2) Qualified borrowers may defer payments up to 90 days after loan signing. Interest will accrue from the closing date of the loan until payments begin. Participating in this program results in up to a 90-day extension of the loan, maximum term 60-months. Cannot be combined with other offers.
Provision of the calculator on this page is not an offer of credit. Its use in no way guarantees that credit will be granted. This calculator is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual loan computations.
Receive one free overdraft per calendar year by contacting us or visiting a branch. Normal fee of $28 per overdraft applies for all other overdrafts.
Enjoy a full suite of everyday benefits designed to protect your wallet, your time, and your peace of mind — all part of this powerful package.
Unexpected perks — A $90 per month value if purchased separately:
Lifestyle Protection and Savings
Cell phone protection coverage
24/7 roadside assistance
Buyer protection and extended warranties
Telehealth for your family
Save on healthcare (prescription, vision and dental discounts)
Travel and leisure discounts
Shopping perks (receive cash back or use for purchases)
Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
Money Access and Everyday Banking Perks:
Free standard Truliant checks
Free official checks
Free incoming wire transfers
One-time overdraft fee waiver (per calendar year)
Early Pay — Get your paycheck up to 2 days early
Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
Free ATM withdrawals, even outside Truliant
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for SafeSpend Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$5.00
Waived with any of the following:
1) Monthly Total Deposits ≥ $250, or
2) 23 or younger
Official check, payable to third party
$5.00/check
Wire transfer (incoming)
$10.00 (Domestic / International)
Wire transfer (outgoing)
$25.00 (Domestic) $35.00 (International)
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Our Balance Backup coverage offers members emergency overdraft protection, allowing important items to clear and helping you avoid returned payment fees from payees.
Truliant will strive to pay the following types of transactions when you do not have funds available.
Checks and other transactions made using your checking account number
Automatic recurring drafts made using your debit card number
We also offer Balance Backup+ for the following types of transactions when insufficient funds exist in your account:
Access to more than 80,000 surcharge-free ATMs. A surcharge-free ATM is one you can use without paying an extra fee charged by the ATM owner. Truliant partners with a nationwide network of ATMs that let you withdraw cash, check balances, and more—without those added fees.
Even if the ATM isn’t Truliant-branded, it can still be surcharge-free if it’s part of our network.
Use the ATM locator to find the most convenient locations near you.
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Reserve Plus Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$25.00
Waived with any of the following:
1) Average Monthly Deposit Relationship ≥ $25,000, or
2) Average Monthly Truliant Financial Advisors Investment ≥ $50,000
Order checks
Standard Truliant Checks are free
Wire transfer (outgoing)
$25.00 Domestic, $35.00 International (incoming wires are free)
Overdraft Charges
Fee Type
Fee Amount
Balance Backup* and Balance Backup+** overdraft protection
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year
Deposit account overdraft protection transfer service charge
$3.00 (limit once daily)
Line of credit overdraft protection transfer service charge
$3.00 (limit once daily)
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Acceptable forms of identification:
Driver’s license (state or U.S. territory issued)
Driver’s license learner permit (state or U.S. territory issued)
Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
Money Access and Everyday Banking Perks:
One-time overdraft fee waiver (per calendar year)
Early Pay — Get your paycheck up to 2 days early
Low-cost standard Truliant checks — Only $10 per order
Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
Free ATM withdrawals, even outside Truliant
Non-Sufficient Funds occur when there isn’t enough money in your account to complete a payment. If this happens, we’ll simply reject the payment — and we won’t charge you a fee.
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Essentials Plus Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$7.50
Waived with any of the following:
1) Monthly Direct Deposit ≥ $500, or
2) Average Monthly Checking Balance ≥ $1,500, or
3) Average Monthly Deposit Relationship ≥ $5,000
Order checks
Standard Truliant Checks = $10.00
Official check, payable to third party
$5.00/check
Wire transfer (incoming)
$10.00 Domestic or International
Wire transfer (outgoing)
$25.00 Domestic, $35.00 International
Overdraft Charges
Fee Type
Fee Amount
Balance Backup* and Balance Backup+** overdraft protection
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year
Deposit account overdraft protection transfer service charge
$3.00 (limit once daily)
Line of credit overdraft protection transfer service charge
$3.00 (limit once daily)
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Truliant's Early Pay program lets you access your money up to two days before your payday on Automated Clearing House (ACH) direct deposits. You don't need to sign up or opt-in: Early Pay is a free and automatic service we provide to our members. See more details here.
