3 reasons to refinance now

consolidate debt
 
Combine higher-interest debt into one lower-rate loan.
lower your interest rate
 
Refinance your loan to a lower rate and save on monthly payments.
shorten term
 
Pay your loan off sooner and save big on interest.

Get a Better Loan

Personal Loans
Rates as low as 6.89% APR1Pay off credit cards, or other high-interest debt. You can even make a major purchase. It only takes minutes to apply. learn more >
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Auto loans
Rates as low as 3.20% APR2. Refinancing your auto loan is easy, and may save you a lot of money each month, adding up to hundreds of dollars over the life of your loan. Check rates >
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Visa Platinum credit card
2.99%3 Intro APR on balance transfers for first 12 billing cycles.. Move from those high-rate cards and start saving money now. Learn more >
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Refi Calculators

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Call us at 1-888-786-2791 to find out.

How much can we save you with a refi?

refi other loan

1. Annual Percentage Rate (APR) accurate as of 1/14/20. APR based on Personal Unsecured Loan of $15,000 equating to 60 payments of $19.42 per $1,000. APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank checking account. Minimum loan amount $1,000, maximum loan amount $15,000, maximum term 60 months. APR is based on evaluation of applicant's credit and the actual rate may vary. We use risk-based pricing to determine the interest rate and/or term. Only available within the state of New Hampshire. $50 application fee is waived with automatic funds transfer from a St. Mary's Bank checking account. Rates subject to change and will depend on specific characteristics of your loan transaction and credit profile.

2. Annual Percentage Rate (APR) accurate as of 1/14/20. Lowest available APR for model years 2018-2020, up to 63 months. APR reflects 0.10% discount with Automatic Funds Transfer (AFT) from a St. Mary’s Bank checking account; a 0.25% discount when the loan amount is 80% or less of the MSRP (new auto loans) or 80% or less of the NADA Retail Value (used auto loans), and vehicle with 100,000 miles or fewer. APR for vehicles with 100,001 miles or more will be increased by 1.00%. APR based on $10,000 financed, except for 72- to 75-month term auto, which is based on the $15,000 minimum loan amount, and 76- to 84-month term, which is based on the $25,000 minimum loan amount. $50 application fee waived with AFT from a St. Mary’s Bank checking account. Actual rate may vary based on creditworthiness, age of vehicle and terms of the loan. We use risk-based pricing to determine the interest rate and/or term. Rates subject to change without notice. Other rates and terms available.

3. Annual Percentage Rate (APR) accurate as of 1/14/20. After the introductory billing cycles, the APR for purchases and balance transfers will be a variable 11.45% APR to 20.45% APR, based on your credit worthiness. Rates subject to change and will depend on specific characteristics of your loan transaction and credit profile.

4. SNAP Mortgage Refinance available for residential 1-4 unit dwellings, including modular homes, new construction with certificate of occupancy, and warrantable and non-warrantable condominiums in New Hampshire (Co-ops, non-owner occupied/investment property, seasonal homes, manufactured homes, and modular homes located in a park or Co-op not eligible). Minimum loan amount $75,000, maximum loan amount $600,000. Rates will depend on specific characteristics of loan transaction and credit profile up to closing date. For properties in Maine and Massachusetts please contact a Mortgage Specialist.

refi your mortgage
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SNAP mortgage refi4
A Simplified, No-closing-cost Approval Process.
Take advantage of today’s low rates without losing time to the traditional refinancing process. Be mortgage-free faster or access the equity in your home. Learn more >

Use our loan calculators to see if you can save money.

Call us at 1-888-786-2791 to find out about your refinance options