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Crush your debt.

Simplify and save.

Designed to help you save.

Simplify and pay down your debt with an Everwise personal loan, potentially reducing interest along the way. 

Crunch the numbers

Competitive rates

Pay down debt with an APR as low as 8.25%* for 12 months.1

Potential savings

Consolidate your high-interest debt into a personal loan with a lower interest rate.

Simple process

Convenient application and quick loan decisions could give quick access to funds.

Compare the difference.

See how much interest you could save.

Typical Big Bank Credit Card

Interest Rate

24.99% APR (variable)

Estimated Interest Over 12 Months

$4,998

Estimated Interest Savings

None

Account Fees

May include over-limit or annual fees

Everwise Personal Loan

Interest Rate

8.25% APR (fixed)

Estimated Interest Over 12 Months

$1,650

Estimated Interest Savings

$3,348 over one year

Account Fees

No application or annual fees

Consolidate now

This example assumes a $20,000 balance and compares the estimated interest cost over one year at the stated rates. Credit card balances and personal loan balances typically decrease over time as payments are made. Actual savings will vary based on your specific rate, balance, and repayment behavior. Rates current as of January 1, 2026.

Trusted by 300,000+ members.

Recently, I needed to increase the limit on a HELOC... I reached out and was quickly connected... We closed exactly two weeks later. unbelievable! It was seamless. The entire process—from paperwork to communication was handled with speed and professionalism.

-Fred M., Indianapolis, IN

I have banked with Everwise for years, and it is incredibly satisfying to have an institution that genuinely supports all of my needs. This level of dedication and service is exactly why I continue to bank with Everwise.

-James F., Plymouth, IN

I recently purchased a home through Everwise, and the exceptional friendliness of everyone I encountered made a lasting impression. Everything was handled with the highest level of professionalism and efficiency.

-Jean W., Mishawaka, IN

Why pay more?

Get control of high-interest debt and aim to free up more of your money for what matters. Apply online, visit an Everwise branch, or call (855) 742-0004 to claim your offer today.

Consolidate now

*APR = Annual Percentage Rate. All loans are subject to credit approval and membership eligibility requirements. Borrower must be a resident of Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice. APR is lowest rate offered as of January 1, 2026. Actual APR will vary based on borrower’s credit worthiness and underwriting factors. Payment example: Based on a loan amount of $20,000 for 12 months at 8.25% a monthly payment would be approximately $1,747.48 per month.

Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.