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.