Scan & Save!
Scan your credit, compare lower-cost options, and get a concierge to help you lock in savings.
🔒 Private & secure ⚡️Takes 2 minutes 🤝 No obligation 🙌 No affect on credit
PARTNERED WITH
Three steps. Real relief.
A simple path from stress to savings.
Scan your credit
We summarize APRs, balances, utilization, and late‑fee risks—so you see exactly what’s costing you.
- APRs & balances
- Utilization & payment status
- Quick‑win opportunities
Compare your options
Side‑by‑side comparisons: consolidation, lower‑rate loans, balance transfers, or negotiated plans.
- Monthly payment fit
- Total savings & term
- Credit impact clarity
Save with a concierge
A real human handles forms, docs, and follow‑through—so you can focus on life, not paperwork.
- Fast, friendly support
- Applications done right
- Ongoing check‑ins
Your potential savings
We’ll highlight estimated monthly savings, interest avoided, and the fastest path to payoff. Your concierge will confirm before anything’s final.
Est. monthly savings
$240
Interest avoided
$3,100
Fastest payoff
18 mo
Compare savings side-by-side
| Option | Rate | Monthly | Total Cost |
|---|---|---|---|
|
Consolidation Loan 
|
8.9% APR | $420 | $18,900 |
|
Balance Transfer 
|
0% intro | $350 | $17,200 |
|
Negotiated Plan 
|
Varies | $315 | $16,750 |
Estimates are illustrative. Availability varies by state and credit profile.
Real humans, real help
Your concierge handles applications, documents, and next steps—start to finish. Phone, chat, or text. We’ll even check in after setup to keep you on track.
What people say
“The credit scan took two minutes and finally made sense of my debt.”
— Alyssa R., CA
“I went from juggling five payments to one I can actually afford.”
— Marcus T., GA
“My concierge handled everything. I just signed and started saving.”
— Nina K., WA
Testimonials reflect individual experiences; results vary. Savings depend on credit profile, partner criteria, rates, and terms.
Why Smoney?
Built for tough moments. Private, fast, and focused on savings you can feel.
No shame, just help
Plain‑language guidance and a clear plan. We focus on next steps, not blame.
One place for everything
Credit scan → options → guided setup. No bouncing between apps.
Security first
Bank‑level encryption; your data is never sold. Opt‑out anytime.
Frequently asked questions
Straight answers, no jargon.
Ready to see your options?
Start with a quick scan. Your concierge will guide the rest.