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Want to lower the cost of your existing credit? Of course you do. We’ll aim to help you combine all of your monthly credit payments into one simple loan payment. How? - Apply for a loan with us in app in less than 2 minutes (it will have no impact on your credit score) - We'll aim to give you an instant decision - If we can offer you a lower interest rate, we will - Use your loan funds to pay off your existing balances - Keep up with one monthly payment until you’ve paid off your loan