CREDIT CARD REFINANCE
Refinance your credit card balances with a personal loan
Credit card refinance loan up to $100,000
Refinance high interest rate credit cards with a lower rate loan
One fixed affordable monthly payment
Checking your rate is free & won't impact your credit score.*
Why should you consider refinancing your credit cards with a personal loan?
One payment
Combine multiple debts into a single payment that can be easily managed and paid off.
Eliminate high-interest
Replace your high interest credit card payments with a more manageable, lower rate loan
Fixed rate
Choose a fixed interest rate that stays the same offering peace of mind with one stable monthly payment.
A faster way
With credit card refinance loan, you’ll have a definitely payoff date you can mark on your calendar.
You can apply for a credit card refinance loan quickly and easily in just minutes
Choose your loan amount
Choose a loan amount up to $100,000.
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.*
Choose your loan terms & funds
Receive multiple loan options and choose the offer that best fits your credit card refinance goals.
Receive multiple loan options from Smarter Credit
Choose the offer that best fits your budget and credit card refinance goals.
One fixed monthly payment
Choose an offer that best fits your budget and credit card refinance goals.
Replace high-interest credit card payments with a more manageable lower rate.
Credit card refinance loan FAQs
Credit card refinancing is a strategy that lets you refinance multiple credit card accounts into a single monthly payment. By using a loan to refinance your credit card accounts, 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 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.
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.
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.
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.
Replace high interest rate credit card payments with a more manageable lower rate through Smarter Credit
Checking your rate is free and won’t affect your credit score*