Debt Consolidation

Do you have several high-rate loans? Are your monthly payments leaving your pockets empty? Let Blue Flame get you back on track with a debt consolidation loan. With lower rates, you may be able to payoff debt faster and put some cash back in your pocket.

Start Saving on Your Debt

Mastercard Balance Transfer

Enjoy no balance transfer fee, flexible monthly payment and a fixed rate as low as 9.90% APR*! You can also use the card for purchases once the balance is paid down. Learn More

Personal Lending

Enjoy a fixed rate 9.99% APR* with a fixed monthly payment, or open a line of credit with lower monthly payments and revolving term. Learn More

Vehicle Loan Refinance

Refinance your higher-rate car, truck, boat or other recreational vehicle loan to lower your monthly payment and save on interest over the life of the loan. Rates as low as 5.49% APR*! Natural Gas Vehicle Loans APR*! Learn More

Home Equity Line of Credit

If you have equity built up in your home, a Home Equity Line of Credit can offer the lowest rate for consolidating debt, and can also be used to fund large projects or home renovations. Rates as low as 7.75% APR*. Learn More

Apply to Consolidate Debt

Get back on track to reduce debt, lower monthly payments and save on interest.

For assistance with your debt consolidation plan, or to apply for a Home Equity Line of Credit, contact us or call 1-888-258-3352.

Calculate Your Payment

Use our loan calculator to determine what your new monthly payment will be.

Skip a Payment

For immediate cash flow, eligible members may request to skip a Blue Flame vehicle and/or personal loan payment. Learn More

Start Saving Now

Every good debt consolidation plan also includes a solid savings plan. If you don’t have an emergency fund, build one in your regular share saving account. Having at least $1,000 set aside will help you avoid the need to use high-rate credit in the future. Then, open Christmas and Vacation Club Savings accounts to start saving a little each month for your inevitable seasonal expenses. Learn More