It’s time to take control of your student loan debt.  Ardent offers flexible term and payment options, and the ability to consolidate both federal and private student loans.  Refinance and consolidate your student loans into one convenient monthly payment.

  • Fixed and variable rates
  • Loans from $5,000 to $80,000
  • Five-, 10-, and 15-year repayment term options
  • No application or origination fees and no prepayment penalties
     

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*For a variable rate option, the APR is variable and is based on the Prime index, plus a margin; for fixed-rate option, APR is fixed for the life of the loan. The rate you receive depends on your credit qualifications and the repayment term you select. Subject to credit qualification and additional criteria, including graduating from an approved school. Loans subject to approval. Rates, terms and conditions subject to change without notice. 

 

Product APR1 Maximum term Monthly Cost
(per $1,000)
Personal Loan As low as 8.99%2 72 months $18.09
Student Loan (Undergraduate) As low as 7.00%3
Student Loan Refinance As low as 2.64%3 (Variable) 5 years
Student Loan Refinance As low as 3.64%3 (Variable) 10 years
Student Loan Refinance As low as 4.14%3 (Variable) 15 years
Student Loan Refinance As low as 3.64%3 (Fixed) 5 years
Student Loan Refinance As low as 4.64%3 (Fixed) 10 years
Student Loan Refinance As low as 5.14%3 (Fixed) 15 years
Share Secured Share Rate +1.5% 120 months
Certificate Secured Certificate Rate +1.5% 120 months
QuickCA$H Line-of-Credit 12.25%
VISA Platinum Card as low as 10.88% fixed4
VISA Gold Card as low as 10.96% fixed4
VISA Classic Card as low as 9.99% fixed
VISA Secured Card 17.90% fixed ($25 Annual Fee)