Loan Product

Debt Consolidation

One simple payment — from €5,000 to €150,000 at a fixed 3% rate, to bring your debts together.

Debt Consolidation

Simplify What You Owe

A SmartLoanTransfer debt-consolidation loan combines multiple debts — cards, store finance, smaller loans — into a single, manageable monthly payment at our transparent fixed 3% annual rate.

One payment, one rate, one clear end date. Many clients reduce the total interest they pay and find it far easier to stay on top of their finances. Terms run from 24 to 120 months.

€5,000
Minimum
Starting loan amount
€150,000
Maximum
Up to this amount
3%
Fixed Rate
Annual interest
120mo
Max Term
10-year repayment
Why Choose This Loan

Key Features

Single Payment

Replace several payments and due dates with one each month.

Reduce Interest

Move higher-cost debt onto our fixed 3% rate.

Improve Credit

A consistent, on-time single payment supports your credit profile.

Clear End Date

A fixed term means you always know when you'll be debt-free.

Common Uses

What You Can Use It For

  • Credit-card balances
  • Store & catalogue finance
  • Multiple small loans
  • Overdrafts
  • Personal lines of credit
  • High-interest debt
  • Buy-now-pay-later balances
  • Medical or unexpected debt

Eligibility

  • Be at least 18 years of age
  • Reside in one of our 25+ European partner countries
  • Valid government-issued photo ID
  • Verifiable proof of income
Loan Simulator

Estimate Your Monthly Payment

Adjust the sliders to estimate repayments for a debt consolidation at our fixed 3% annual rate.

Loan Amount
€5,000€150,000
Repayment Term
24 months120 months
3%
Fixed Annual Interest RateNo hidden fees. No variable rates.
Your Estimated Payment
per month
Loan Amount
Total Interest
Total Repayment
PrincipalInterest
Apply for

Representative example only. Actual terms subject to eligibility assessment.

Ready to Begin?

Apply for a Debt
Consolidation Today

Join 14,000+ Europeans who trust SmartLoanTransfer for fast, transparent financing at a fixed 3% rate.