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FAQs

See our most frequently asked questions and answers below.
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.
Unsecured loans are loans that aren’t backed by collateral. Instead of relying on a borrower’s assets as security, we approve unsecured loans based on a borrower’s credit worthiness and signature. All Smart Money Capitals personal loans 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 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.
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 funding times may vary based on bank processing times and holidays.
If you don’t qualify for a loan, one of our Smart Money Capital consultants will talk you through other financial options.
Personal Loans FAQs
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.

For personal loans, you can apply to borrow any amount between $1,000 and $150,000.

All Smart Money Capitals personal loans are unsecured loans. Unsecured loans are loans that aren’t backed by collateral. Instead of relying on a borrower’s assets as security, our personal loans are based on a borrower’s credit worthiness and signature.
To apply for a personal loan, simply click the Apply Now button and fill out our online application. Or, call us directly at (800) 410-6311.
Business Loans FAQs
No. A business loan is intended for business use, such as marketing expenditures, practice expansion, working capital, etc.
  • A government issued ID
  • A verifiable name, date of birth, and social security number
  • A bank account in the United States
  • Proof of residence
  • Corporate and personal financial statement

We may ask for additional items based on your business and unique situation.
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.
For business loans, you can apply to borrow any amount between $15,000 and $150,000.
To apply for a personal loan, simply click the Apply Now button and fill out our online application. Or, call us directly at (800) 410-6311.
Still have questions?
Please visit our Contact page or call us at (800) 410-6311

How do I apply and how long does it take?

Get pre-approved in minutes!