Simplicity Consolidation Loan 251wThere is no need to juggle overdue bills and stress about which ones you can afford month-to-month. 

The VLFCU Simplicity Consolidation Loan can combine debt like credit cards, rent, and overdue bills into one simple monthly payment.

By settling your debts and making on-time payments to VLFCU, you will be on your way to rebuilding your credit score.

You are eligible if you’ve been both:

  • A VLFCU member for a minimum of 3 months
  • Employed a minimum of 6 months*


  • Borrow between $1,200-$10,000
  • Rates ranging from 11.25%-15.25%
  • Flexible terms up to 60 months
  • Eligible for 1% rate reduction after 6 months of on-time payments**

*Proof of income required.

**Member must request the 1% rate reduction after 6 months of on-time payments. Limit one reduction per life of loan.

Loan processing fee applies. All loans are subject to credit approval. The rates and APR may differ depending on the term, credit qualifications, or loan-to-value. For example, a $10,000 loan at a rate of 11.25% will have a 11.47% APR and result in 60 monthly payments of $218.68. Programs, rates and terms subject to change or cancellation without notice.