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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 7.99%* 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 8.49%* APR for 36 month term
• Minimum loan amount is $2,500
Fixed rates starting at 8.99%* APR for 48 month term
• Minimum loan amount is $5,000
Fixed rates starting at 9.49%* APR for 60 month term
• Minimum loan amount is $10,000
Fixed rates starting at 10.99%* 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
*7.99% 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.