SmarterLoan.com is here to help.
Fill out our short form & we will try to connect you with a lender.
Get up to $10,000
In Your Checking Account
Time Is On Your Side
We know that your time is valuable. Our online form only takes minutes to complete.
Safe & Secure
SmarterLoan.com uses industry standard encryption & security measures to protect your personal information.
You’ve Found A Friend
We have helped many customers find the loan that they needed. You can trust us to help connect you with a lender.
We do not charge any fee or cost to submit a loan request on SmarterLoan.com. The APR on a personal loan from our network of lenders varies.
If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your formally accepting their offer. SmarterLoan.com is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you. You are not under any obligation whatsoever to accept the terms that the lender presents to you.
What Are Personal Loans?
A personal loan is simply an installment loan, which is repaid over an extended period of time with a set number of scheduled payments. Loan amounts range between $500 to $10,000 depending on the lender and state. Below are a few of the reasons why this is the case:
- Fast, convenient loan requests: A loan request decision can happen in a matter of minutes.
- Funds in your account fast: An approved loan can be electronically deposited into your account in as early as 1 business day.
- All credit types accepted: You can submit a loan request for a personal loan with less than perfect credit.
- No embarrassment: It can be difficult to admit to family members and friends that your finances are stretched; cash loans allow you to avoid this embarrassment, as they can be acquired safely, securely and discreetly online.
Our goal is simple: to get you the personal loan you need so you can pay your emergency expenses. To help us achieve this goal, we have made the process of acquiring a personal loan fast and simple from start to finish. The first step is to fill out a brief loan request form here on our website, which can take just a few minutes. As long as you meet the basic borrower eligibility requirements, you can submit your request for a personal loan.
The requirements that a prospective borrower must meet to be able to request a personal loan are simple and few in number. They include the following:
- Be at least 18 years old
- Be a U.S. citizen or permanent resident
- Earn a steady monthly income of at least $1,000 after taxes
- Have a checking account in your name
- Be able to provide work and home phone numbers, as well as a valid email address
After you submit your loan request, we will search our network and attempt to connect you with one of our partners.
Convenient Loan Disbursement and Repayment
If your request for a personal loan has been approved, your lender will ask that you review and sign the agreement so that your loan can be processed. In most cases, your funds can be deposited directly into your bank account via electronic fund transfer in as little as 1 business day.
Loan repayment is just as simple, as your lender, once the due date rolls around, can simply withdraw money electronically from the same account into which they originally deposited your funds. And in case your your loan period ends and money is not in your account to repay the loan, make sure to contact the lender ahead of time so you can inquire about an extension. Many lenders will offer extensions so individuals don't risk damaging their credit because of non-repayment.
Safety and Security
SmarterLoan.com prides itself on providing consumers with a fast, simple, safe and reliable loan process. We are dedicated to protecting the privacy of individuals who seek out assistance, and those who request loans online can feel safe knowing their important information is protected at all times.
There are a lot of lenders who offer personal loans; SmarterLoan.com can help you connect with a lender.
Note: Loan size, APR, and re-payment term will vary by state and lender.
APR – Representative Range Explanation
APR stands for Annual Percentage Rate which represents the annualized interest rate that you are charged. SmarterLoan.com is not a lender and is not responsible for funding personal loans but refers consumers to lenders who specialize in personal loans. SmarterLoan.com does not charge any fees for this service. SmarterLoan.com is not able to supply you with the exact APR that you will be charged by your lender. APRs can vary based on the information that you supply in your loan request as well as the information that your lender supplies. Your lender will provide you with details on the APR, loan finance charges and other terms when you are redirected to your loan agreement during the loan request process. For help with any SmarterLoan.com-related services consumers may Contact Us.
Personal loan ranges in the SmarterLoan.com lender network range from $500 to $10,000.
Nonpayment Ramifications and Other Things to Consider
SmarterLoan.com only works with personal loan lenders who give customers detailed information on terms and conditions prior to their acceptance of the loan offer. It is recommended that you closely review the terms of any loan offer presented to you. For more details about the aforementioned considerations see our Lending Policy and Rates & Fees sections.
If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to you formally accepting their offer. SmarterLoan.com is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you. You are not under any obligation whatsoever to accept the terms that the lender presents to you.
When you accept the terms and conditions for a particular loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time specified in the documents that your lender supplies. Additional charges or fees may apply in the event that you are not able to repay your loan in full or make a late payment. SmarterLoan.com cannot predict the amount of the charges or fees that you will incur as a result of partial payment, late payment or nonpayment. SmarterLoan.com has no control over knowledge of the loan details between you and your lender. Please refer to the partial payment, late payment and nonpayment policies detailed in the loan documents that your lender provides you with. SmarterLoan.com does make an effort to work only with reputable lenders who are committed to pursuing collections of past-due accounts in a reasonable and fair manner.
SmarterLoan.com does a soft credit inquiry on all potential borrowers; this type of inquiry does not show up on an individuals credit file as a standard inquiry. Some members of the SmarterLoan.com lender network may choose to conduct a nontraditional credit check in order to determine your eligibility for a loan. Lenders will more than likely conduct a credit inquiry with any of the three major credit reporting agencies (Transunion, Experian and Equifax). Ultimately, your credit score may be affected by the actions of a particular lender. If you do not repay your loan on time your lender may report this delinquency to one or more credit reporting agencies, which could have a negative impact on your credit score. SmarterLoan.com encourages consumers with credit problems to consult a Credit Counseling company.
SmarterLoan.com is not a lender and does not engage in debt collection practices. Your lender will disclose their collection practices to you in their loan documents. If you are not sure of the collection practices used by a specific lender we recommend that you discuss this issue with the lender directly. SmarterLoan.com makes reasonable efforts to only work with established, reputable lenders who pursue collections of past-due accounts in a fair manner.
Loan renewal policies are largely governed by state regulatory laws. Loan renewal options will be presented to you by your lender prior to your acceptance of their loan offer. Please be sure to carefully read the renewal policy presented to you before you sign the loan documents.