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Because we believe that You Are Enuff™, orsa credit union offers a range of personal loans and debt consolidation solutions to help you manage your finances and achieve your Impossible Dreams with ease.
Our competitive rates and flexible terms provide the financial support you need, whether you're looking to…
- Find a better rate for high-interest debt
- Consolidate debts into a single payment
- Fund a major purchase
- Make a home improvement
- Or anything else!
Personal Loans and Debt Consolidation
Loans that meet you where you’re at
Personal Loans
Loans for any need
Our Personal Loans are ideal for financing life’s big moments or consolidating debt. Whether you need to make a major purchase, cover unexpected expenses, or consolidate high-interest debt, we offer affordable rates and flexible terms to help you manage your finances with confidence.
Debt Consolidation
Eliminate debt
Debt consolidation loans from orsa can help simplify your finances by merging multiple debts into a single, lower-interest loan. With one monthly payment, you can manage your finances better and reduce the stress that comes with multiple bills. Let us help you take control of your financial future.
Our Personal Loan Options
Explore loan options
With flexible repayment terms and competitive rates, we help you get on the path to financial freedom.
Credit Builder Loan
Boost your credit and your savings
On-time loan payments mean good things for your credit score. We created the Credit Builder Loan as an easy and realistic way to do just that, without having to lock up your own funds from the start.
Boost your shot at loan approvals, higher limits, and lower interest rates without locking up your own funds or paying anything up-front. Just make easy monthly payments for a year, improve your score, and get your loan amount back at the end! Plus, there’s no minimum score or credit pulled—so there’s nothing to keep you from credit success.
- No minimum score required
- No credit pulled
- No upfront payments
- 12-month term
- Simple, 14.45% fixed interest rate
- Funds are kept in a High Yield Savings Account and grow as your loan is paid off!
Monthly payments
$500 loan → about $45 per month
$1,000 loan → about $90 per month
Not eligible for members with a loan delinquent for more than 15 days.
Additions and Home Improvement
Home Improvement Loans
Use a personal loan for home improvements and boost the value of your home. Whether you’re remodeling a room, upgrading appliances, or investing in energy-efficient projects, we can help with affordable financing options tailored to your needs.
Personal Loan & Credit Card Rates
Date Updated Aug 6, 2026
Personal & Debt Consolidation Loans** |
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APR* as low as |
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APR* as low as |
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APR* as low as |
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World Mastercard click for required Mastercard Disclosure |
APR* as low as |
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*Annual Percentage Rates (APRs) vary and are dependent on individual credit history.**Personal Loan Payment Example: For a $5,000 loan with 48 month term at 13.74% APR the monthly payments would be about $136. Above stated rate includes an additional .25% rate discount which is available when payments are automatically deducted from your orsa credit union checking account.
Apply for a Loan
Apply for a Personal Loan or Debt Consolidation Loan today and take control of your finances. Our simple application process ensures fast approval and competitive rates to help you achieve your financial goals.
Credit Card Options
Our credit card options
Our credit cards are designed to help take you from dreaming to doing—no matter what that looks like. From cards built around points and perks to our no-fuss, non-variable rate option, we’ve got something that everyone can swipe.
Loans From orsa
Other loan options
Looking for a different kind of loan? We offer a wide range of borrowing solutions to fit your needs, including personal loans, home equity lines of credit, and more.
Personal Loan & Debt Consolidation Resources
Guide
HELOC for Home Improvement: What Michigan Homeowners Need to Know
The state’s harsh winters and older-than-average housing stock mean Michigan homeowners often need to renovate more often. The good news is that a Home Equity Line of Credit (HELOC) can make those renovations far easier to finance. Using smart financing and finding the right renovation projects can translate into serious long-term benefits. Here, we explain how to make that choice based on your unique needs.
Guide
HELOC vs. Home Equity Loan for Michigan Homeowners
Even after an interest rate cut in 2025, Michiganders are still getting squeezed between high borrowing costs and rises in the cost of living. That’s made paying for things like home improvements or even retirement more difficult than ever. Fortunately, in times like this, Michigan homeowners can turn to their own home equity to finance their needs and wants more conveniently and affordably.
Guide
Benefits of a Credit Union vs. Bank
Think the differences between banks and credit unions is all technical stuff for finance geeks? Think again! Knowing the differences can have a huge impact on you and your money, from a retirement with more time at the lake to healthier Michigan communities.
Apply for a Loan
Apply online, stop by one of our branches, or call (877) 937-2328 to learn more.
Frequently Asked Questions
Personal Loan FAQ
Get the answers you need to help you make an informed decision about personal loans and debt consolidation.
Visit our application page, fill out the form, and our team will assist with the next steps.
Consolidating your debts can help you lower interest rates, reduce your monthly payments, and simplify your finances by combining multiple debts into one.
Because you Belong here, our members get free access to financial counseling and wellness tools.
Get the guidance and help that you need to get out of debt and put your Impossible Dreams back on the right track with Financial Wellness.
You are Enuff®
Looking to make your Impossible Dreams possible? Your membership can help make it happen!
What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
