Unsecured credit
Fixed-rate personal loans
Borrow for debt consolidation, medical expenses, or planned purchases with a predictable amortization schedule. Because the loan is unsecured, pricing reflects credit profile and term—Sky publishes representative APR bands and fee rules before you proceed.
Debt consolidation strategy
Consolidation frees cash flow when high-APR revolving balances move to a lower fixed rate. Sky reviews whether secured options might be cheaper, and whether closing cards could impact utilization and scores before you commit.
Hard inquiry timing
Submitting a full application authorizes a hard credit pull. Soft prequalification, when available, does not impact scores but is not a commitment to lend.
What moves your rate
- Credit score bands and recent delinquencies.
- Debt-to-income including housing and minimum revolving payments.
- Term length—shorter terms often carry lower APRs but higher payments.
