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
Our focus is on providing low-rate personal and business loan solutions to help people get back on track. 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 decide to proceed with the loan application, a “hard inquiry” will be run 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. 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 approval. Please note that funding times may vary depending on bank processing times and holidays.