Disclaimer

Not a lender

SmartFundsLoan is an advertising and connection service, not a lender. We do not make credit decisions, issue loans, set rates or fees, or collect payments. Submitting your information is a request to be connected with independent lenders, and any loan agreement is solely between you and the lender.

Availability

This service is available only to U.S. residents aged 18 or over, and not in every state. Lenders decide, at their sole discretion, whether to offer credit in your state and whether you qualify.

Cost of credit — representative example

APRs vary widely by lender, state, loan type, and your credit profile. Personal loan APRs commonly range from about 5.99% to 35.99%. Short-term and small-dollar loans can carry much higher effective APRs — for example, a $500 loan repaid in 14 days with a $75 fee equates to an APR of roughly 391%. Your lender must disclose the exact APR, fees, and total cost before you sign. Short-term loans are for short-term financial needs only and are not a long-term financial solution.

Implications of late and non-payment

Late payment, non-payment, and renewal policies are set by your lender and must be disclosed in the loan documents. They may include additional fees or interest, collection activity as permitted by law, and reporting to credit bureaus, which can affect your credit score. Some lenders renew or roll over loans automatically unless you opt out — read your agreement carefully. Consider credit counselling if you have debt difficulties.

Credit checks

Lenders in our marketplace may verify your information and perform credit checks through traditional bureaus (Equifax, Experian, TransUnion) or alternative providers. Submitting your request may result in such a check, which in some cases can affect your credit score.

Compensation disclosure

We receive compensation from lenders and networks for connecting them with consumers. This site is an advertisement.