We have experienced loan professionals working day in and day out on helping people get the money they need. Find out how our services can help you.

We're here to help find right type of loan and create the solutions you need. Don't let yourself get buried in bills. Contact us instead.

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Come discover how easy it is to get

 a loan today

Does not affect

your FICO credit score

Instant Approvals

Funds Directly Deposited

Rebuild Your Credit

*Smart Choice Financial Line of Credit Funds are generally deposited via Western Union Transfer transaction for delivery within 3 business days if approved.

**Not all loan applications, store/retail credit or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by Smart Choice Financial Corporation.

Get an instant decision within 60 seconds

Applying online is fast & easy

Sign you contract online

Get a Decision

Complete your online application

In most cases you get a decision within 60 seconds. If  you don't get an answer don't worry a representative will contact you.

Completing you application online is only takes about 5 minutes. If you have questions please contact us.

Once approved your contract can be signed online. Your finds will be deposited into your account.

Application Requirements:

- Must be 18 years of age
- Been employed for at least 3 months
- Must be a US citizen or permanent resident

- Must have an active checking account

Does not affect your FICO® credit score

*Smart Choice Financial Credit Line: A credit line from us gives you more flexible funding and repayment options than other short-term credit products. With a line of credit, you apply only once and can request advances as often as you need up to your available credit limit. There are several repayment options for you to choose from, including making minimum payments gradually over time or repaying your balance in full to reduce interest. Learn more>

What Products do we offer?

Private Label Credit: A type of revolving-credit plan managed by a Smart Choice Financial. Private-label credit plans are managed for either retail or wholesale manufacturers, such as department and specialty stores. This type of program allows retailers to offer more lenient and extended terms to customers than they could otherwise.
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