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Debt Consolidation Loans

Rates as low as 6.15% APR*
Turn numerous high-rate bills into one, easy payment with a debt consolidation loan.
  • Dedicated loan consultants
  • Lower your monthly payments by $140†
  • Less than perfect credit options available
  • Close your loan in ten days or less with our
    No Hassle loan process‡
 Debt Consolidation Overview
Apply Now Apply Now or call toll-free at 1-888-49-SMART (1-888-497-6278)

Depending on the size of the loan, you could be saving, for example, $200 to $800 a month. Consolidating your debt can also simplify your life, since you’re dealing with one company each month, instead of multiple creditors.

Can debt consolidation help you come out ahead each month? The simplest way to find out is to call or apply right now. One of our knowledgeable loan consultants will be happy to help you compare numbers.

There's no obligation—if you’d like to see your options before you make a commitment, this is the place to do it.


Sam Dominguez is a true professional. He was a constant and stable pr...
–Dan & Deb E.
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* Annual percentage rate effective as of 2/19/2008 and subject to change at any time. APR is based on a good credit history, $200,000 loan amount, 80% combined loan-to-value ratio, and a 30 year fixed-rate first-lien mortgage. Monthly payment for this example is $1,170. Additional terms and restrictions apply.
† Lower average monthly payment claim based on first month's payment on non-purchase loans, exclusive of closing costs, that closed between 07/01/2007 and 12/31/2007. Actual savings vary. In some cases, refinancing to pay off existing debt may extend the term of the debt, possibly resulting in higher overall costs.
‡ 10-day claim calculated from receipt of completed application and all required supporting documentation.
** The monthly payment comparison is an example only and assumes paying off an existing 30-year fixed mortgage of $110,000 at 9.25% (principal and interest only), credit cards totaling $2,500 with an average rate of 18.10% making minimum payments of 3.0% of the outstanding balance, personal and auto loans totaling $8,500 with anaverage rate of 8% payable over 3 years. The new Capital One® refinance loan assumes a final loan amount including payoffs and loan fees of $126,469 with a 30-year fixed-rate mortgage at 7.875%, APR 8.559% (principal and interest only only). Discount points of 3.00%, loan fees of $1,140 (fees vary by state) and loan-to-value of 70.00%,owner occupied, single family residence, pre-payment penalty allowed where state laws permit. This example is provided for comparison purposes only and does not constitute a commitment to lend nor is intended to guarantee that you currently qualify.