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Debt Consolidation

Start the New Year with a new lower rate

Lighten the holiday spending loan and save money by consolidating your debt. Now through March 31, we’ll take 1% APR1 off your approved personal loan rate, possibly making the rate as low as 8.99% APR1.

  • Consolidate credit card balances and other high-rate debt
  • Pay only one monthly bill
  • Set up automatic payments
  • Loan amounts up to $25,000 and terms up to 60 months2

Apply today in one of three simple ways:

  1. Use our online application  choose Personal Loan and then select "Debt Consolidation" when asked your Primary Reason for Applying.
  2. Visit one of our branches
  3. Call our lending team at (650) 363-1725
1APR = Annual Percentage Rate. Rate effective November 15, 2018.  Rate as low as 8.99% APR reflects a 1.00% APR discount available from January 01, 2019 through March 31, 2019.  Minimum loan amount is $300.  2 Maximum loan term and loan amount depend on FICO score and other qualifications.  All loans subject to credit, income and debit verification and qualification.  Offer, rate and terms subject to change at any time without notice.  SMCU is an Equal Opportunity Lender.
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