Loan Option Breakdown
- Accelerated: Apply maximum available equity to debt—delivering the highest monthly payment option to reduce interest over time.
- Balanced: Split your available cash between debt and personal goals—moderate monthly payments with balanced progress.
- Cash Flow: Retain most savings for personal use—minimize monthly payments while still addressing debt consolidation.
Key Benefits
- Lower monthly payments: Consolidate high-interest debt into one fixed-rate loan, improving cash flow and enabling future planning.
- Flexible payment schedules: Choose from monthly, bi-weekly, or accelerated weekly repayment frequencies to suit income flow.
- Debt freedom path: Customized plans help reduce overall repayment time while empowering clients toward financial independence.
Eligibility Requirements
- Homeownership status—must be a homeowner.
- Canadian residency status.
- Stable income or employment.
- Referral through a Primerica representative via SMART Loan Referral Card.
Getting Started
- Complete a personalized Financial Needs Analysis to identify your ideal loan structure.
- Use the Debt Consolidation Calculator to estimate savings and repayment scenarios.
- Submit your referral via a Primerica representative and apply through the dedicated SMART Loan portal.