PERSONAL LINE OF CREDIT

Roast Your Credit Card Debt.

Low interest rates to help make your season brighter!

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Pay off your credit cards with a low fixed interest rate on a line of credit.

When the holiday season inspires your generosity, manage the spirit of giving the smart way with a line of credit from Smart Financial. This low-interest access to cash is the perfect little helper to make the season bright for everyone on your list. Use your credit cards to earn points, and then pay off the balance with a low, fixed interest rate on a line of credit. According to bankrate.com, the average rate on credit cards was 18.68% in October 2022. Our fixed rate line of credit starts as low as 9.99%* Move your balances over and start saving today!

Get instant, ongoing access to funds as you need them with a revolving line of credit. View rates schedule

Benefits

Everyday low rate
Save money in interest rates that are typically lower than those offered by credit cards.

Flexibility
With a line of credit, you can get the money you need up to your credit limit, repaying only based on what you’ve borrowed.

Reuse available credit
Once you pay down your balance—no need to re-apply.

No annual fee
Plus, there is no fee to withdraw funds.

Ask an expert

Have questions about personal loans or lines? Our lending team is ready to help. Learn about your loan options, and get personalized estimates for your situation.

Call us! If you would like to speak to a Lending Specialist, call us at 713-407-1755.

*RATE IS SUBJECT TO CREDIT APPROVAL. 9.99% IS A FIXED RATE. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. $25 ORIGINATION FEE REQUIRED. MINIMUM LOAN AMOUNT IS $1,000. PAYMENT SCHEDULE IS 3% OF PRINCIPLE BALANCE EACH MONTH. OTHER CONDITIONS APPLY. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.