A smarter way to borrow money
Get pre-approved in minutes!
You are not defined by your credit score
Your journey is unique, and who you are matters more than any number. Smart Money Capital is here to help you.
Our simple 3-step process
1. Apply Online
2. Verify Info
3. Collect Funds
Our clients are family
Charges & fees
Loan Amounts
$1,000-$2,500
APR 7.99%-30%
Origination fee: 0% to 5% of the original principle amount borrowed or $50, whichever is less
Loan Amounts
$2,501-$5,000
APR 7.99%-30%
Origination fee: 0% to 5% of the original principle amount borrowed or $75, whichever is less
Loan Amounts
$5,001 or more
APR 7.99%-30%
Origination fee: 0% to 5% of the original principle amount borrowed
†NSF or Late Fee: $10 late fee for late payment, in default for at least 10 days. $15 late fee for late payment, in default for at least 15 days.
FAQs
While we are not a direct lender, we specialize in connecting customers with the best lenders to meet their needs. Our focus is on providing low-rate personal and business loan solutions to help people get back on track. Smart Money Capital operates as a licensed consumer loan referral service. Being transparent and working diligently on your behalf is our mission
No, providing your basic information will not impact your credit score. To determine how much you qualify for, we conduct a “soft pull” on your credit, which does not affect your score. If you’re matched with a lender and decide to proceed with the loan application, the lender will perform a “hard inquiry” to verify the accuracy of your application. This inquiry will be reported to at least one of the credit reporting agencies and may impact your credit score.
Yes, a pre-qualification can take as little as 10 minutes. Simply click the Apply Now button to fill out an online form and one of our Smart Money Capital consultants will reach out to discuss your options. Please note that Smart Money Capital is not a lender but works to connect you with the best lenders for your needs. Alternatively, feel free to call us directly at (800) 410-6311.
To get started, you’ll simply need to provide your name, email, phone number and address.
Most borrowers receive their funds within 24 to 48 hours of lender approval. Please note that funding times may vary depending on bank processing times and holidays.
