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Made your list. Checked it twice. Time to consolidate.
Been a little too nice? Let's be real, the holidays are magical—until the bills arrive. If your gift-giving got a little out of hand last year, you’re not alone. Our debt consolidation loan can combine multiple payments into one with a lower rate, making the new year a lot less stressful. Let’s turn that long list into one simple payment.
With Signature Loan rates starting at 8.74%* APR, you may have an opportunity to consolidate your high interest debt into one easy (possibly lower) monthly payment. If you are currently weighed down by credit card debt, or other high interest debt, apply today and see if we can lower your monthly payments.
Flexible terms to meet your individual needs.
Fixed rates starting at 9.24%* APR for 36 month term
• Minimum loan amount is $2,500
Fixed rates starting at 9.74%* APR for 48 month term
• Minimum loan amount is $5,000
Fixed rates starting at 10.24%* APR for 60 month term
• Minimum loan amount is $10,000
Fixed rates starting at 11.74%* APR 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 Smart Financial's 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 of Credit Union Debt Consolidation
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.
APR= ANNUAL PERCENTAGE RATE
*8.74% IS A FIXED RATE FOR A 24-MONTH TERM. RATE IS SUBJECT TO CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. OTHER CONDITIONS APPLY. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.