A smarter way to borrow money

Get pre-approved in minutes!

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You are not defined by your credit score

Everyone’s journey is different and we know a number doesn’t define you - your character does. Smart Money Capital stands ready and willing to help.

Personal Loans

$1,000 - $150,000

Will not impact your credit score.

Our simple 3-step process

While traditional banks make the loan process difficult, we’ve streamlined and built a customer-centric approach that works.
1. Apply Online
Click the “Apply Now” button below to fill out and submit our online application.
2. Verify Info
A Smart Money Capital loan consultant will contact you to verify your info.
3. Collect Funds
Once your loan is approved you will receive your wired funds within 48 hours.

Our clients are family


Smart Money Capital is one of the fastest growing companies in the online lender space. We specialize in low rate personal and business loans to help people get back on track. Smart Money Capital operates as a licensed consumer lender and also provides loan referral services. 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. If you’re offered a loan and proceed with the application, a “hard inquiry” will be made to verify the accuracy of your application. This will be reported to at least one of the credit reporting agencies, and may affect your credit score.
Yes, a pre-approval can take as little as 10 minutes. Simply click the Apply Now button to fill out our online application. After you submit your application, one of our Smart Money Capital loan consultants will call you to discuss your options. Or, 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 funding times may vary based on bank processing times and holidays.

How do I apply and how long does it take?

Get pre-approved in minutes!