*Submitting a request through our website will not directly affect your credit score. Lenders in our network may perform a soft credit check when you connect with them, which will not affect your credit score. If you proceed with a lender, additional credit checks, including hard inquiries that may affect your credit score, may be performed.
**Funds could be sent to your account as soon as 2 minutes after you are fully approved by a lender. Actual funding times vary depending on the lender, your bank’s policies and procedures, and other factors, and may take significantly longer than 2 minutes. Funds may be available as soon as the next business day, but timing may be longer outside standard business hours, on weekends or holidays. Lenders' processes and funding times vary, so please review the terms and documentation provided before accepting any loan offer.
***We are not a lender and do not make credit decisions. Consumers with all types of credit history may submit a loan request, but approval is not guaranteed and depends on the lender’s criteria. Not all lenders consider applicants with bad credit, and available loan amounts, rates and terms vary by lender and state.
Material Disclosure
APR Disclosure & Estimated Loan Terms (For Qualified Applicants) Annual Percentage Rate (APR) reflects the annualized cost of borrowing and includes interest as well as certain finance charges assessed by a lender. APR is expressed as a percentage and is intended to help consumers compare the cost of credit across different offers. SmartLendo does not make loans, does not set interest rates, and does not make credit decisions. Lenders within our network determine all loan terms independently. Based on lender offerings currently available through our network, APRs may generally fall between approximately 5.99% and 35.99%, though lower or higher rates may be offered depending on the lender, loan product, and applicant qualifications. Loan repayment periods offered by lenders commonly range from just over 60 days to as long as 72 months, depending on the product selected. The exact APR, repayment schedule, total loan cost, and duration will be disclosed by the lender before you accept any loan offer.
Illustrative Loan Cost Scenarios (For Comparison Only) The following examples are provided to help explain how loan amount, APR, and repayment term may affect monthly payments and total repayment. These examples are illustrative only, are not guarantees, and do not represent actual loan offers.
| Loan Amount | Estimated Term | Example APR | Estimated Monthly Payment | Estimated Total Repayment |
|---|
| $1,500 | 18 months | ~17.99% | ~$96 | ~$1,728 |
| $3,500 | 36 months | ~13.25% | ~$118 | ~$4,248 |
| $7,500 | 48 months | ~10.50% | ~$192 | ~$9,216 |
These scenarios assume closed-end installment loans and are presented solely for educational and comparison purposes. Actual APRs, fees, repayment schedules, and total loan costs are determined by the lender and will be disclosed before you accept any loan offer.
Not a Lender
SmartLendo, IS NOT A LENDER, BANK, CREDIT UNION, LOAN BROKER, OR FINANCIAL INSTITUTION. We do not originate or fund loans, make credit decisions, set loan terms, issue approvals, or act as an agent or representative of any lender. Submitting a request through this site does not constitute a loan application and does not guarantee that you will receive a loan offer, be connected with a lender, or receive any specific loan amount, APR, fee structure, or repayment terms. All credit decisions are made solely by independent third-party lenders based on their own underwriting criteria.
Free Service, Compensation & Data Sharing
This service is free to consumers. SmartLendo receives compensation from lenders, lending partners, and marketing networks when users are connected with their services. This compensation may influence which lenders participate in our network and how they are presented; if you receive a loan offer, it may be from the highest-compensating participant rather than the lender offering the most favorable terms available to you. By submitting a request, you authorize SmartLendo to share your personal and financial information with third-party lenders, financial service providers, and marketing partners. Once shared, your information is subject to each recipient's own privacy policy. SmartLendo is not responsible for the privacy practices or conduct of any third party.
APR Disclosure
Annual Percentage Rate (APR) represents the annualized cost of borrowing, including interest and applicable fees. SmartLendo does not set or guarantee any APR. Lenders in our network independently determine all loan terms. APRs vary based on lender, loan amount, term, creditworthiness, and state law. Short-term loans may carry substantially higher APRs than longer-term installment products, in some cases exceeding several hundred percent on an annualized basis.
Availability & State Law Limitations
Services are available to U.S. residents aged 18 or older (or the age of majority in their state). Not all lenders operate in all states; not all loan products are available everywhere. Loan availability, amounts, APRs, and terms depend on state law, lender criteria, and individual creditworthiness. Residents of certain states – including but not limited to Arkansas, New Hampshire, New York, Vermont, and West Virginia – may be ineligible for some or all loan products. We reserve the right to change service availability at any time without notice. Military borrowers and their dependents may have additional protections under the federal Military Lending Act.
Credit Check & Credit Impact
By submitting a request, you consent to lenders and lending partners in our network obtaining consumer credit reports and/or credit data about you from major credit bureaus (Equifax, TransUnion, Experian) and alternative data providers to evaluate your eligibility. Lenders may conduct soft or hard credit inquiries; a hard inquiry may affect your credit score. SmartLendo does not obtain credit reports and has no control over any lender's credit inquiry process. Missing or late payments on any loan you accept may also be reported to credit bureaus.
Consumer Notice — Loan Risks & Responsible Borrowing
Short-term and high-cost loans are designed for temporary financial needs and are NOT long-term financial solutions. These products carry high APRs and fees that significantly increase total borrowing costs. Renewing or rolling over a loan instead of repaying it in full increases the amount owed and may trap borrowers in a cycle of debt. If you accept a loan offer, you agree to repay principal and all finance charges per the lender's schedule. Missed or late payments may result in additional fees, collection activity, and negative credit reporting. SmartLendo has no control over lender fee structures or collection practices. Consumers with persistent credit difficulties are encouraged to consult a nonprofit credit counseling service. Nothing on this site constitutes financial, legal, or tax advice.
Processing, Funding & Additional Steps
Loan applications are reviewed and approved solely by lenders. SmartLendo does not approve loans or disburse funds. If approved, funding timelines depend on lender processing and your financial institution; same-business-day funding is not guaranteed. Some lenders may require additional verification steps, supplemental documentation, or faxed materials to complete processing. SmartLendo is not involved in loan servicing, payment collection, or debt collection; contact your lender directly for all account-related inquiries.
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