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Debt Consolidation
Debt Consolidation

Diminish the impact of debt on your life.

We can all agree that debt is stressful, demands our attention, and often weighs us down. But it doesn't have to. Paying off your high interest debt with a low interest loan could get you back on the path to financial freedom.

With Signature Loan rates starting at 6.99%*, you may have an opportunity to consolidate your high interest debt into one easy (possibly lower) monthly payment. For a limited time, we are offering Signature Loans with a fixed rate up to 60 months, or variable rate option for 84-month terms only.

If you are one of the millions of Americans currently weighed down by credit card debt, or other high interest debt, apply today and see if we can lower your monthly payments.

With Signature Loan rates starting at 6.99%*, you may have an opportunity to consolidate your high interest debt into one easy (possibly lower) monthly payment. For a limited time, we are offering Signature Loans with a fixed rate up to 60 months, or variable rate option for 84-month terms only. Apply today and see if we can lower your monthly payments.

Our Signature Loan offers flexible terms to meet your individual needs.

Rates starting at 6.99% fixed rate up to 60 months*
Minimum loan amount of $2,500 for 36 months
Minimum loan amount of $5,000 for 48 months
Minimum loan amount of $10,000 for 60 months

Rates starting at 6.99% variable rate for 84-month term only*
Minimum loan amount of 10,000

Consolidate your debt into one, easy monthly payment.

Provided below are examples of Signature loan payment amounts at a fixed rate of 6.99%* to give you an idea of what your monthly payments could possibly look like. Your monthly payments may be different and are dependent on a number of variables, including credit worthiness.

Swipe left below to view more term options.

Fixed Rate
Loan Term
$2,500 $5,000
$10,000
$15,000 $20,000 $25,000 $30,000 $35,000
60 months $198 $297 $397 $496 $595 $694
48 months $120 $240 $360 $480 $600 $720 $840
36 months $77 $154 $309 $464 $619 $774 $928 $1,083

Benefits

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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.

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LOWER MONTHLY PAYMENT

Potentially lower your monthly payment by extending your repayment timeline.

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ONE EASY PAYMENT

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

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IMPROVE CREDIT SCORE

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

 

 

*6.99% IS A FIXED RATE FOR UP TO 60-MONTHS AND INCLUSIVE OF ALL DISCOUNTS. VARIABLE RATE AVAILABLE FOR 84-MONTH TERM ONLY. MINIMUM LOAN AMOUNTS DEPENDING ON TERM. RATES BASED ON TERM AND CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION AND BASED ON CREDIT APPROVAL. NOT VALID WITH ANY OTHER OFFERS. OFFER GOOD FROM FEBRUARY 1, 2021 THROUGH MARCH 31, 2021. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.

Smart Financial could pay off your debt up to $5,000. Book a Signature loan between February 1 and March 31, 2021 to be automatically entered into the drawing. If you win, we will match the amount of your Signature loan up to $5,000. See contest rules for more details.

Contest Rules: One winner drawn randomly after the promotion period ends on March 31, 2021. Signature loans must be booked between Feb. 1, 2021 and March 31. 2021. Cash prize equals the amount of the loan booked during the promotion period, or $5,000, whichever is less. Winner will be notified by phone or email and may be announced on social media with member's permission. Every Signature loan booked earns one entry into the contest. Applies to loans booked online, by phone or at a branch. Accounts must be in good standing with the credit union. Winnings will be deposited into your Membership account within 5 business days of the drawing.