Consolidate & Refinance
SimplyCredit lines consolidate your credit and department store card balances in one place.
Our lines are available from your community lender where you'll receive fair and transparent terms.
No Fees. Ever.
With a SimplyCredit line, you'll never pay another fee again.
One Low Rate for Every Card
Keep your cards but fix their rates. By using your SimplyCredit line, you'll pay the low rate your credit history has earned.
No Fees. Ever.
There are never any fees with your SimplyCredit line, leaving you free to use your cards without the worry.
Clean and Clear
Find all you need to know with one quick look. From line details to upcoming transactions, our Dashboard has got you covered.
A Dream to Use
Schedule balance transfers to your cards and payments to your line with just a click or two.
Peace of Mind
With AutoPay and AutoTransfer options, you'll know your accounts will stay in good standing.
I like that I can pick my own days to make my payments and it is really easy to understand.
In the last two months, I got to use the sweep feature and paid off two credit cards. It was very easy and I only had to make one payment.That was a huge impact on me.
It's just so easy to use and I get to pay all my cards in one place. I no longer miss payments and don't have to worry anymore.
Who benefits from using a SimplyCredit line?
Anyone who currently carries a balance on a credit or department store card will immediately start seeing benefits from using their SimplyCredit line. Anyone who intends to carry a card balance in the future will also benefit.
How do I apply for a SimplyCredit line?
SimplyCredit lines are only available through participating lenders. You cannot apply for a line directly with us. You can inquire at your local community lender if they offer SimplyCredit.
What terms will the SimplyCredit line have?
The credit limit and APR of the line will be determined by the lender. Our products are offered by friendly, community lenders, and have generally come with significantly lower rates than those of credit cards.