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Personal Loans for Debt Consolidation
- Fixed rates as low as 10.99% APR* for 60-month term
- Loans up to $25,000
- Terms up to 72 months available
- Pick your payment date
- Fast funding
Not sure where to begin?
Fill out this form and we can help get you started.
Refinance your personal debt with our fast, affordable cash
Do you feel overwhelmed when opening your credit card statements each month? Do you need a debt exit strategy ASAP? Our personal loan for debt consolidation can help. Here’s how:
Refinance high-interest rate credit cards. Cut your interest rate by refinancing with an Ardent Personal Loan and possibly put more money back in your wallet each month.
Simplify your debt payments. Consolidate all your credit cards and personal loans with other creditors into a single, easy-to-manage monthly payment.
Set your debt-free date. Know exactly when your debt will be paid off thanks to our flexible term options.
No surprises. Other lenders may advertise a lower rate, but then surprise you with fees that can really add up. Our personal loans have no origination fees and applying is free.
Find out how much an Ardent Personal Loan could save you with our Debt Consolidation Calculator.
How our Signature Loan Works
1. Apply Online
Applying for Signature Loan online is free and easy. You’ll be asked to provide some basic personal and financial information, including your credit and employment history.
2. Sign your loan agreement
If approved, you’ll review your loan offer documents and sign the agreement electronically.
3. Access your funds
We’ll put the funds into your Ardent account quickly, so you can begin using your cash as soon as possible. Then, make payments easily at any time online.
Getting Started
Your debt won’t go away on its own, you just need to get rolling ASAP. That’s why we made our application process so simple. Apply online in minutes and you’ll receive an approval decision in no time.
*Rates effective June 5, 2023. Applicants must borrow at least $1,500 in new money for consolidation of any existing Ardent personal loans. Not everyone will qualify for the best rate. Interest rate based on loan term and borrower’s credit score at time of application and includes 0.25% discount for automatic loan repayment. Rates are subject to change based on market conditions and borrower eligibility. Payment example: A 60-month loan at 10.99% fixed APR will have 60 monthly payments of $21.75per $1,000 borrowed. The minimum approved loan amount is $500.