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FAQs

See our most frequently asked questions and answers below.

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.

Unsecured loans are loans that aren’t backed by collateral. Instead of relying on a borrower’s assets as security, approval on unsecured loans is based on a borrower’s creditworthiness and signature. All personal loans offered are unsecured loans.

To get started, you’ll simply need to provide your name, email, phone number and address.

No, we’ve done our best to streamline and simplify the process as much as possible. If you’d prefer, we’ll walk you through the process and happily answer any questions you have over the phone. Feel free to call us directly at (800) 410-6311.

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.

Smart Money Capital takes extensive precautions to protect your personal information. We use robust industry-leading procedures and safeguards, including encryption, to secure and protect your personal information.

There are no application fees and no pre-payment fees. The only fee is a standard loan origination fee.

The terms of your loan are based on a variety of factors, including your credit history and debt-to-income ratio.

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.

If you don’t qualify for a loan, one of our Smart Money Capital consultants will work with you to explore other financial options.

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.

For personal loans, you can apply to borrow any amount between $1,000 and $100,000.

Still have questions?
Please visit our Contact page or call us at (800) 410-6311

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Smart Money Capital, LLC is a Utah licensed lender under the Utah Department of Financial Institutions. Loan amounts range from $1,000 to $100,000, with APRs ranging from 5.95% to 36%. Repayment terms may vary. Eligibility is based on criteria including credit history, income verification, and other factors. By submitting a loan request, you authorize Smart Money Capital to verify your information, conduct credit checks, and assess your creditworthiness. Smart Money Capital may request income and employment verification. Upon request, you will be provided with the name and address of the credit reporting agency used. This service may not be available in all states. Loan availability and terms are subject to approval and state laws. Void where prohibited. Smart Money Capital LLC operates under dba Smoney LLC in New York and Florida. Terms and conditions may vary by state. For more details, please see visit our Terms of Use and Privacy Policy pages.

Advertiser Disclosure

Smart Money Capital is not a lender and does not directly offer financial products. We serve strictly as a referral source and do not represent or endorse any specific Financial Institution Providers or their products. Smart Money Capital does not accept applications, make credit decisions, or guarantee any outcome based on a financial product request. Any provider you choose will require you to complete their own application for consideration before extending a formal offer of credit.

We do not issue loan approvals, loan commitments, or guarantees on behalf of any Financial Institution Provider. All rates, fees, and terms are subject to change at each provider’s discretion and may not be available in all states or for all financial products. You may receive offers for different amounts or product types than originally requested, such as debt relief, credit repair, or monitoring services. Financial Institution Providers may have different privacy policies and security practices than Smart Money Capital.

Please note, we do not connect users with every financial institution or product on the market. Other options may exist with different terms or lower rates. We do not guarantee the lowest prices or best available terms. Your financial situation is unique, and it is your responsibility to review all offers and information carefully before making a financial decision.

Smart Money Capital supports the principles of the federal Equal Credit Opportunity Act (ECOA). We do not engage in any discriminatory practices based on race, color, religion, national origin, sex, marital status, age (if legally able to contract), public assistance income, or exercise of rights under the Consumer Credit Protection Act. We are also committed to complying with all applicable state and local anti-discrimination laws.

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