Looking To Pay Down Your Debt Quicker? With everything that life throws at you, being in debt can be one of the toughest to deal with. Getting out of debt can be even tougher. At LOC, we want to continue to help our members get Financially Fit Together and get out of debt quickly with a number of different options. Personal Loans Our personal loans can help you reduce your outstanding debt through consolidation into a single low monthly payment. Whether you have balances on high-rate credit cards, store cards, or other loans and lines of credit, a free review by one of our helpful member advisors at Farmington, Hartland or Howell could mean hundreds or even thousands of dollars in savings for you. Auto Equity LOC’s auto loans also offer the ability to leverage any equity you may have in your current vehicle to help pay off higher-rate debt elsewhere. Members take advantage by refinancing with LOC and take a cash out on any amount above the cars current value up to 100% of value. Credit Card Are you looking to consolidate your debt, but still have access to additional credit when needed? LOC’s VISA Credit Card is the perfect fit for you. Let us help in your journey to getting your finances in shape and erasing that debt quickly and efficiently with 0% APR* on all balance transfers for the first six months*. Existing cardholders can even take advantage of this great offer if you haven’t done so already. Home Equity/Cash Out On Refinance Are you interested in reducing your monthly payments and a lower interest rate for your mortgage? Refinancing your mortgage may result in a lower monthly payment to free up money for other expenses. If you haven’t taken a look at your mortgage in the last five years, it may be time for you to consider refinancing. Get Started Come into any LOC office where one of our member advisors can help assess your situation and get your finances in better shape. Or get the process started today online, or you can give us a call at 800.837.4562. Apply Online *Promotional APR available for new balance transfers only. Existing credit balances remain at your current APR. After the 6-month period, all balances revert to the APR disclosed on your credit card agreement. There is no limit to the number of balance transfers that can be made up to your approved credit limit, however, the 6-month period starts from the time of your first balance transfer. For qualified borrowers. After the six month promotional period, your Annual Percentage Rate (APR) will be 9.9% - 17.00%, based on each member’s individual creditworthiness. Promotion subject to change. Cannot be used to pay on existing loans at LOC.