The holidays are full of joy, generosity, and celebration—but for many, they also come with added expenses that can linger well into the new year. If you’re starting January with more debt than planned, you’re not alone. The good news? Advia Credit Union offers practical, member‑focused tools that can help you regain control and rebuild your financial momentum.
Here’s three Advia solutions—debt consolidation, splitting your payments, and Digital Banking Savings Goals—that can work together to reduce financial stress and set you up for long‑term success.
#1. Simplify Your Payments with Advia’s Debt Consolidation Options
Post-holiday bills often come from multiple credit cards, store lines of credit, or short-term financing offers. Consolidating them into one predictable monthly payment can make managing your money much easier.
Advia provides several ways to consolidate debt with lower, more manageable payments:
- Signature Loans
Perfect for combining high-interest balances into one fixed-rate loan. From flexible terms, fixed monthly payments, and 90 days payment-free, a Signature Loan is helpful when recovering from holiday overspending. - Visa® Balance Transfers
With an Advia Visa® Balance Transfer, members can take advantage of promotional rates to pay down debt faster and with significantly less interest. A balance transfer is a great way to consolidate multiple loans into a single payment, saving you money and bringing peace of mind. - Home Equity Line of Credit (HELOC)
For homeowners, a HELOC can be a strategic tool for consolidating high-interest debt at a lower rate, with options such as 10-year interest-only payments and 24/7 access to funds.
Compare and estimate your potential savings with Advia’s Debt Consolidation Calculator.
#2. Use Advia’s Buy Now, Pay Later (BNPL) Tool to Manage and Split Purchases
Even after the holidays, unexpected expenses can pop up—vehicle repairs, home needs, or essential purchases you didn’t plan for. Advia’s integrated Buy Now, Pay Later tool can help you avoid adding new debt to high-interest credit cards.
Here’s how BNPL helps you stay in on control:
- Split larger debit card purchases into predictable installments without opening a new loan or credit card.
- No credit check or application required and all offers are available directly in Digital Banking.
- Choose between two flexible options: Plan Your Purchase (set up installments ahead of time) or Split Your Payments (convert recent debit card purchases into installments).
Advia’s BNPL program offers a seamless, transparent experience that helps members plan spending, reduce financial stress, and stay on budget, all from a single Digital Banking dashboard.
#3. Coming Soon! Build Better Habits with Savings Goals in Digital Banking
Once you’ve tackled holiday debt, it’s time to start the year with new financial goals. And that’s never been easier with our new Smart Savings Goals tool, coming soon to Advia Digital Banking! With Smart Goals, you can easily set up a supplemental savings account share, schedule automatic recurring transfers into it, and track your progress over time. Look for this great new feature to arrive in January 2026.
Putting It All Together: A Financial Reset for the New Year
After the holiday season:
- Consolidate and simplify your debt using Advia’s Signature Loans, balance transfers, or HELOC options.
- Manage new expenses with Advia’s Buy Now, Pay Later tool to avoid high-interest credit card use.
- Prepare for the future by creating digital Savings Goals—making next year’s holiday spending planned.
Advia Credit Union continues to offer solutions designed to support real financial wellness and help members keep more money in their pockets. If you’re ready to start the year strong, explore these tools and more through Advia’s Digital Banking or visit a branch near you.
About Advia Credit Union: Our mission is to provide financial advantages to its members. With $3.7 billion in assets, Advia seeks to provide quick and easy access to money and time-saving financial tools to nearly 200,000 members in Michigan, Wisconsin, and Illinois. Advia’s team of over 600 professionals delivers excellent service and innovative products at 34 locations and via digital and mobile platforms. Advia is guided by its core values: driving progress, acting with integrity, building and strengthening relationships, and keeping people at the core. Visit adviacu.org to learn more about how Advia provides Real Advantages for Real People™.