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Fixed Rate Debt Consolidation Loans

Simplify and save with a low, fixed rate loan from Capital One®
Want the same interest rate for the long run? Want to pay the same amount month after month? Then fixed rate loans are a good choice for you.
  • A predictable monthly payment to fit your budget needs
  • Plan to keep your house for a long time
  • Want the security of a fixed principal/interest payment
  • Loans close fast with our easy lending process
Loan options Why choose it
30-year
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  • Lowest payment among fixed rate loans
  • Keeps home loan payments affordable by extending them over a long period of time
  • Provides maximum tax-deductible interest (ask your tax advisor)
20-year
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  • Helps you pay off your home faster and build equity quicker than a 30-year home loan
  • Has a lower interest rate than a 30-year loan (but higher monthly payments)
  • Saves considerable money on total interest paid over the life of your loan
15-year
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  • Has higher payments than a 30-year or 20-year home loan, but a lower interest rate
  • Saves considerable money on total interest paid over the life of your loan
  • Builds equity in your home faster
  • Best for homeowners planning to pay off entire loan amount
Apply Now Apply Now or call toll-free at 1-888-49-SMART (1-888-497-6278)

Some people just prefer a sure thing. A little certainty in their life. Even if you can't count on the weather, you can count on a fixed rate home loan.

You’ll pay the same interest rate on a fixed rate home loan for the entire life of your loan—and you can select a term length that best suits your needs, with most term lengths ranging from 15 to 30 years.

If you are refinancing your current mortgage, you may be able to consolidate your debts into one, lower-interest rate payment. The simplest way to find out is to 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.