At Smart Choice Financial, we use up to 256-bit SSL (Bank Level Security) protection and strict, high levels of security & encryption standards to protect your information.

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.

We have loans to fit any need $50 - $2000

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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 6 months
- Be a US citizen or permanent resident

- Proof of residence  (may be required)

- *Must Have an active checking account

*We do not send funds to prepaid cards


Get Your Credit Report & Score Does not affect your FICO® credit score

McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

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.

*Investment, Insurance, Identity theft protection and secured account products: Are Not insured by the FDIC or any other federal government agency, Are Not deposits of or guaranteed by a Bank, May Lose Value


© 2014 Smart Choice Financial Corporation. All rights reserved.

Loan Options

Personal Loan

Credit Line

Offer Financing

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About SCFC

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How applying for our Personal Loan works

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*Funds Transferred the next business day

What to Expect >

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See if you're pre-qualified for a Personal Loan offer with no risk to your credit score.


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You're in good hands.

In a recent online survey, 86% of our customers were satisfied with our services.

Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with Smart Choice Financial.

The customer service rep that I spoke to was awesome. He verified my identity and the money was in the bank the very next morning. It was an easy and a great experience. Thank you for being there for me.

-Timothy P., Chicago,IL

I had no issues whatsoever when I applied for a Personal Loan. The customer service was great! I will recommend this company to my friends and family.

- Gary W., Richmond,VA

The process was smooth and I received my fund the very next business day. I would highly recommend Smart Choice to anyone looking for financial assistance.

- Cindy L, Norfolk,VA