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Personal Loans for Debt Consolidation

Fast, fee-free funding to consolidate personal debt 

Need an exit strategy from credit card or personal debt? Consolidate high-interest debt with other creditors into one monthly payment with a rate as low as 5.24% APR*. There is no fee to apply and you can take advantage of flexible term options. And unlike other personal loans out there, the Ardent Signature Loan has NO origination fee, which could save you thousands.

An Ardent Signature Loan is a personal loan that you can apply for and close entirely online, making it more convenient than ever to consolidate or refinance personal debt. With quick approvals and funding, Ardent will even disburse the funds directly to your creditors, putting you on the fast track to eliminating high-interest debt. Be sure to select “debt consolidation” as the reason for your Signature Loan.

Want to find out how much you could save with an Ardent Personal Loan for Debt Consolidation? Use our Debt Consolidation Calculator.

Not sure where to begin?

Fill out this form and we can help get you started.

Please do not submit confidential account or personal information, such as social security, driver’s license, account or member numbers.

Ardent Personal Loan Details:

  • Borrow up to $25,000
  • No loan origination fees
  • Rates as low as 5.24% APR
  • Take up to 72 months to pay back
  • Free online application
  • Quick funding and decisions (in most cases)

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.


Apply Now



*Rates effective April 29, 2022. 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 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 72-month loan at 5.24% fixed APR will have 72 monthly payments of $16.22 per $1,000 borrowed. The minimum approved loan amount is $500.