Our loans are designed to provide you with flexibility, whether you need to payoff high-interest debts, or achieve your financial goals.
1. Apply Online
Click the “Apply Now” button below to fill out and submit our online application.
2. Verify Info
A Smart Money Capital loan consultant will contact you to verify your information.
3. Collect Funds
Once your loan is approved you will receive your wired funds within 48 hours.

Personal Loans

$1,000 - $150,000
From time to time, we all need a little help. Whether you’re looking to pay off debt, or want to finish a home improvement project, we want to help. We understand the importance of time, so we’ve made our application and approval process as simple as possible. Let’s get you the help you need today.

Will not impact your credit score.

Business Loans

$15,000 - $150,000

Small business owners need access to working capital, especially in an ever-changing economic environment. Whether you want to expand or cover expenses during an unexpected slowdown, we’re here for you. We understand you have a business to run, so we’ve made our application and approval process as simple as possible.

Will not impact your credit score.


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

How do I apply and how long does it take?

Get pre-approved in minutes!