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What Types of Loans Are Offered?

Smart Lending offers personal loans that you can use for common needs such as consolidating credit card bills, covering emergency expenses, making home improvements, and managing business expenses like starting up or consolidating costs.

No, Smart Lending operates as a referral service, connecting customers with over 100+ lenders in the marketplace. Our process allows you to receive multiple loan offers within minutes, giving you the power to make an informed decision about your financial future.

Loan qualification requirements vary based on the applicant and lender. Typically, lenders consider factors such as credit score, employment and tax history, debt-to-income ratio, and other financial criteria.

Don’t count yourself out! Many people are surprised by the options available to them. Whether your credit is excellent, average, or still improving, our lending partners provide solutions across the credit spectrum.

If the terms you’re given don’t feel right, you’re not stuck. Our Smart Lending experts will work with you to review alternatives and guide you toward a loan option that fits your goals and comfort level.

Lenders take a simple look at a few basic details like identification, income, and credit history to match you with the right loan options. The good news is that checking your rate with Smart Lending won’t affect your credit score, and our team is here to guide you every step of the way.

Smart Leading | SmartLending.com cannot guarantee the lowest rate or that people with poor credit will be approved for a home loan program. Interest rates are subject to change and not all loan products may be available in all states.

Smart Lending is a finance marketing company and does not make loans or guarantee rate locks, rather we connect consumers with trusted lenders, bankers, and credit unions.

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Terms and conditions apply. SMARTLENDING RESERVES THE RIGHT TO MODIFY OR DISCONTINUE LOAN PRODUCTS & BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet the associated lenders underwriting requirements. Not all borrowers receive the lowest interest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, credit score, income, and other factors. If SmartLending matches you for a loan with a participating bank, then your rate may be applicable to rates at that time. Rates and Terms are subject to change at any time without notice. Personal Loans can be used for any lawful personal, family, or home purposes. See legal site for state-specific license details from participating lenders.