LOAN REFINANCE
Refinance multiple loans with one refinance loan
Refinance loans up to $100,000
Eliminate high interest rate loan
One affordable monthly payment
Checking your rate is free & won't impact your credit score.*
Why choose a lower rate personal loan to refinance multiple loans
One payment
Combine multiple loans into a single payment that can be easily managed and paid off.
Eliminate high-interest
Replace your high interest loans and credit card payments with a more manageable, lower rate.
Fixed rate
Choose a fixed interest rate that stays the same offering peace of mind with one stable monthly payment.
A faster way
With a loan refinance loan you will have a definitive payoff date that you can mark on your calendar.
You can apply for a refinance loan quickly and easily in just minutes
1
Choose your loan amount
Choose a loan amount up to $ 100,000.
2
Get your offers in minutes
In just minutes apply and check your rate with no string attached. No cost and no impact on your credit score.*
3
Choose your loan terms & funds
Receive multiple loan option and choose the offer that best fits your refinance goals.
Receive multiple loan options from Smarter Credit
Choose the offer that best fits your budget and loan refinance goals.
One fixed monthly payment
Choose the offer that best fits your budget and loan refinance goals.
A faster way
Replace high-interest loans and credit card payments with a more manageable lower rate.
Loan refinance FAQs
How does loan refinance work?
Loan refinance is a strategy that lets you refinance multiple credit card accounts or other loans into a single monthly payment. By using a loan to refinance your credit card accounts and other loans, you simplify your payments to just one per month. Plus, you’ll have a set date for becoming debt-free. For instance, with a 48-month loan term, you can be confident your credit card accounts or other loans refinanced will be cleared in 48 months. Smarter Credit offers personal loans with fixed rates, so your interest rate will remain constant, making it simple to forecast your monthly payments and potentially saving you on interest in the long run.
How does refinancing credit cards with a personal loan differ from a balance transfer?
A balance transfer involves moving debt from one account to another, potentially lowering your interest rate. However, there are drawbacks, including typically a balance transfer has a fee on the transferred amount. Your balance transfer card may have a low limit, preventing you from moving the full balance. Transferring a balance from the same issuer is usually not allowed. Additionally, since you’re moving debt from one credit card to another, you may encounter variable interest rates that could cost more over time. On the other hand, a personal loan offers a fixed interest rate and a predetermined debt-free date.
How much can I refinance with a loan through Smarter Credit?
We offer personal loans with a maximum limit of $100,000, with the specific amount you’re eligible to borrow being determined by your application details and qualifications.
What are my options if I want to repay my loan ahead of schedule?
No need to worry, if you’re able to repay your loan ahead of the scheduled final payment, that’s wonderful news. You won’t face any penalties or fees for early repayment.
Refinance multiple credit card accounts & loans with one refinance loan
Checking your rate is free and won’t affect your credit score*
Checking your rate is free and won’t affect your credit score*