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Smart Money Capital, LLC, a licensed lender in Utah under the jurisdiction of the Utah Department of Financial Institutions, extends personal loan offers to customers who initially accessed them through paid advertisements on there internet and mail. These offers feature interest rates on Smart Money Capital that do not exceed 35.99% APR, with repayment terms ranging from 61 days to 180 months. The actual interest rate you qualify for depends on factors such as your credit score, loan amount, loan duration, place of residence, credit utilization, and credit history. The specific interest rate will be mutually agreed upon between you and the lender. To provide an illustration, if you were to borrow $10,000 for a period of 36 months at a 10% interest rate, the total amount repaid over the loan’s duration would equal $11,616.12.