Debt consolidation solutions
Fewer payments.
A clearer path forward.
If you’re juggling credit cards, vehicle loans, or personal debt, combining them into a single payment can streamline your finances. Even consolidating just two balances is often worth a look.
One Monthly Payment
Combine multiple eligible debts into one payment with one due date to remember.
Potentially Lower Costs
A lower interest rate or payment may help reduce what you’re currently paying, depending on your existing debts and approved loan terms.
A Clearer Payoff Plan
Know when your consolidation loan is expected to be paid off and move forward with a more defined repayment timeline.
Explore your repayment options.
Use our credit card repayment calculator to estimate how long it may take to pay off a balance and how much interest you could pay.
Why MN First for debt consolidation
Personal guidance for a more manageable next step.
Our local lending team will analyze your rates and balances to see if consolidation makes sense for you. If it does, we’ll guide you step-by-step—with convenient remote signing via DocuSign to make the entire process effortless.
Local lending decisions
Work with a local team that takes the time to understand your needs.
A complete look at your debt
We’ll review your outstanding loans and help determine whether consolidation makes sense.
Guidance from start to finish
We’ll walk you through the consolidation process and answer questions along the way.
Convenient remote signing
Use DocuSign to securely review and sign your loan documents online.
How to Apply for a Debt Consolidation Loan
Take the next step toward fewer payments.
From gathering your documents to completing your loan, our local team will help guide you through the process.
Prepare your information.
Review the Personal Loan Application Checklist to see which financial information and documents you may need.
Submit your application.
Apply online when it’s convenient, or visit a Minnesota First location to complete your application with help from our team.
Review your options.
We’ll review your complete financial picture, discuss whether consolidation makes sense and walk you through the next steps. Approved loan documents may be signed remotely with DocuSign.
Explore Your Debt Consolidation Options
Let’s see whether consolidation is right for you.
Talk with a local lender about your current debts, rates and monthly payments. We’ll help you understand your options and decide what makes sense.