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About us

Smart Money Capital is one of the fastest-growing online lending companies in the industry, and we take pride in helping people get back on track with our low-rate personal and business loans.

We're here to help

We’re here to provide access to capital when you need it most. Whether it’s to pay off outstanding balances or cover one of life’s unexpected expenses, we’re here for you. We prioritize transparency and work hard on your behalf.
Contact us today to learn more about how we can assist you in reaching your financial goals!

Our clients are family

“My Smart Money loan allowed me to pay off credit cards with ridiculously high APR’s. Highly recommend if your disciplined and ready for a change.”
Jeremy, CA
“The team at Smart Money Capital couldn’t have been more honest, and straightforward. They were patient and answered all my questions.”
Sarah, TX
“I usually throw out junk mail, but this was anything but. My husband and I decided to call the number on the mailer and it worked, we got a loan!”
Marie, FL
“I put myself in a terrible financial situation by overspending and having to deal with some unexpected medical stuff. This helps a lot.”
Miguel, VA
“I feel great about my decision to go with Smart Money Capital. The process was pretty simple and my loan came faster than expected.”
Meredith, CA

FAQs

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-qualification 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.
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(800) 410-6311   |   info@smartmoneycapital.com

Smart Money Capital, LLC, a licensed lender in Utah under the jurisdiction of the Utah Department of Financial Institutions, extends personal loan offers to customers who initially accessed them through paid advertisements on there internet and mail. These offers feature interest rates on Smart Money Capital that do not exceed 35.99% APR, with repayment terms ranging from 61 days to 180 months. The actual interest rate you qualify for depends on factors such as your credit score, loan amount, loan duration, place of residence, credit utilization, and credit history. The specific interest rate will be mutually agreed upon between you and the lender. To provide an illustration, if you were to borrow $10,000 for a period of 36 months at a 10% interest rate, the total amount repaid over the loan’s duration would equal $11,616.12. Smart Money Capital LLC operates under the dba Smoney LLC in the states of New York and Florida.

Finding your PIN
If you received a letter from Smart Money Capital, your PIN is highlighted in the yellow box near the bottom of your check.