SIGNATURE LOANS

Debt
Consolidation

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Beat the buzzer on your debt.

High interest debt is one tough opponent! As part of the Smart Financial team, we can help you beat the buzzer on your debt with a low interest debt consolidation loan. With Signature Loan rates starting at 7.99%*, combining your high interest debt into one easy (possibly lower) monthly payment is as easy as a layup.

Consolidation loans booked between February 1st and March 27th earn an automatic entry for a chance to win tickets to the big college championship games coming to Houston this April!** No purchase necessary to enter or win. A purchase of any kind will not increase your chances of winning.  

Flexible terms to meet your individual needs.

Fixed rates starting at 7.99%* for 36 month term
• Minimum loan amount is $2,500

Fixed rates starting at 8.99%* for 48 month term
• Minimum loan amount is $5,000

Fixed rates starting at 9.99%* for 60 month term
• Minimum loan amount is $10,000

Variable rates starting at 7.99%* for 84-month term only
• Minimum loan amount is $10,000

Consolidate your debt into one, easy monthly payment.

Below are examples of loan payments at our lowest available rates by term to show what your estimated monthly payments could look like. Your estimated monthly payments may be different and are dependent on a number of variables, including credit worthiness.

Loan Term* $2,500 $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000
60 months    

$

$

$

$

$

$
48 months  

$

$

$

$

$

$

$
36 months

$

$

$

$

$

$

$

$

Benefits

LOWER INTEREST RATE

Consolidation loans tend to have lower interest rates than credit cards, so you will pay less interest over the life of your loan.

LOW MONTHLY PAYMENT

Potentially lower your monthly payment by extending your repayment timeline.

ONE EASY PAYMENT

Easily manage your monthly budget by making one payment as opposed to several different payments.

IMPROVE CREDIT SCORE

By using a consolidation loan to pay off credit cards, your credit utilization ratio might decrease and improve your score.

*ADVERTISED RATES SUBJECT TO CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. OTHER CONDITIONS APPLY. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. VARIABLE RATE: FOR THE FIRST 12 MONTHS, YOUR INTRODUCTORY APR WILL BE FIXED AT THE RATE DISCLOSED ABOVE. THEREAFTER, THE ANNUAL PERCENTAGE RATE WILL BE BASED ON THE WALL STREET JOURNAL PRIME RATE AND MAY INCREASE OR DECREASE DURING THE TERM OF THIS TRANSACTION. THE ANNUAL PERCENTAGE RATE WILL NOT INCREASE OR DECREASE MORE THAN 1 PERCENTAGE POINT PER ADJUSTMENT AND NEVER FALL BELOW THE INITIAL ANNUAL PERCENTAGE RATE OR EXCEED 17.99%. AN INCREASE OR DECREASE WILL TAKE EFFECT EVERY 12 MONTHS ON THE DATE OF THE INITIAL LOAN AND WILL BE ROUNDED OFF TO THE NEAREST 1/8TH%. ANY INCREASE WILL TAKE THE FORM OF HIGHER PAYMENTS. EXAMPLE: IF YOUR LOAN WAS $10,000 AT 6.00% FOR 84 MONTHS AND THE RATE INCREASED TO 7.00% AFTER THE FIRST YEAR, YOUR MONTHLY PAYMENT WOULD INCREASE BY $4.18. YOU WILL BE NOTIFIED IN WRITING 45 DAYS BEFORE THE DUE DATE OF A PAYMENT AT A NEW LEVEL. THIS NOTICE WILL CONTAIN INFORMATION ABOUT YOUR INTEREST RATES, PAYMENT AMOUNT, AND LOAN BALANCE.
**SEE OFFICIAL RULES FOR MORE INFORMATION.