Loans that work for you
Get personal loans with rates as low as 5.99% APR. Check your rate in minutes, receive funds as soon as the same day, and pay off your goals with flexible terms.
Check Your Monthly Payment
Checking your rate won't affect your credit score
Why choose LendSmart?
We make borrowing simple, transparent, and accessible. No surprises, just straightforward lending.
Fast Approval
Get approved in minutes, not days. Our streamlined process means you can receive funds as soon as the same day.
Low Fixed Rates
Rates as low as 5.99% APR. Your rate is fixed for the life of the loan, so your payment never changes.
No Hidden Fees
What you see is what you get. No origination fees, no prepayment penalties, and no hidden charges.
Flexible Terms
Choose repayment terms from 12 to 84 months. Find the payment that fits your budget.
Soft Credit Check
Check your rate without affecting your credit score. We only do a hard pull when you accept an offer.
24/7 Support
Our friendly team is always here to help. Get answers to your questions anytime, anywhere.
Get funded in 3 simple steps
Our streamlined process gets you from application to funding in record time.
Check Your Rate
Answer a few quick questions and see your personalized rate options in minutes without affecting your credit.
Choose Your Offer
Compare offers and select the loan amount, term, and monthly payment that works best for you.
Get Your Funds
Once approved, funds can be deposited directly into your bank account as soon as the same business day.
Loans for every need
Whatever your goals, we have a loan that can help you achieve them.
Debt Consolidation
Combine multiple debts into one simple payment with a lower rate.
Home Improvement
Fund your renovation projects and increase your home's value.
Major Purchase
Finance big-ticket items with predictable monthly payments.
Medical Expenses
Cover unexpected medical bills without breaking the bank.
What our customers say
Join over 500,000 satisfied customers who achieved their financial goals with LendSmart.
"I was able to consolidate all my credit card debt into one low monthly payment. The process was incredibly simple and I was approved within minutes. Highly recommend!"
"The rate I got was much better than my bank offered. The entire application took about 10 minutes and the money was in my account the next day. Amazing experience!"
"Customer service was outstanding. They walked me through every step and answered all my questions. Got a great rate on my loan and couldn't be happier!"
Ready to get started?
Check your rate in minutes with no impact on your credit score. It's fast, easy, and completely free.