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 Personal Loan today.

Does not affect

your FICO credit score

Instant Approvals

Funds Directly Deposited

Rebuild Your Credit

*Smart Choice Financial Loan Funds are generally deposited via bank transfer  for delivery within 1-3 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. If you don't live in the state of VA OR denied for a loan product we will act as a loan matching service.

† The approval process may take longer if additional documents are requested. Approval and loan terms will vary based on credit determination and state law.

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

Once approved your contract can be signed online. Your funds 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

Get Your Free Credit Report & Score 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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Access your account 24 hours a day in our secure Customer Login area. You can access your account from any mobile device, tablet or computer.

Online Account Access



IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Approval of your request for a Smart Choice Financial personal loan or revolving credit account requires passing our identification verification process.

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No Credit Card Required

CreditRepair: Our advanced proven process for repairing your credit is one of the most effective in the industry, which is why clients of the Smart Choice Financial program begin receiving results of investigations in as little as 45 days from their start of service.

No Credit Card Required