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

Unsecured loans are loans that aren’t backed by collateral. Instead of relying on a borrower’s assets as security, we work with lenders to approve unsecured loans 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. 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.

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 determined by the lender and are based on a variety of factors, including your credit history and debt-to-income ratio. Smart Money Capital works to connect you with the best lender for your unique situation.

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.

If you don’t qualify for a loan, one of our Smart Money Capital consultants will work with you to explore other financial options. We partner with lenders to help find the best solutions for your needs.

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.

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