Weather Alert: Due to the pending inclement weather and hazardous road conditions, Smart Financial will be closed on Tuesday, January 21st and until 1pm on Wednesday, January 22nd. We will update any changes to this planned closure on our website, online banking app, and social media channels. Members can access online and mobile banking 24/7 as always. Please be safe and warm and we look forward to reopening to serve you once this weather event has passed. Thank you!

SIGNATURE LOANS

Debt
Consolidation

Apply Now

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 9.49%*, 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 9.49%* for 36 month term
Minimum loan amount is $2,500

Fixed rates starting at 9.99%* for 48 month term
Minimum loan amount is $5,000

Fixed rates starting at 10.49%* for 60 month term
Minimum loan amount is $10,000

Fixed rates starting at 11.99%* 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.