Get approved for $100-$20,000 in minutes

A personal loan provides you with the money when you need it most for a variety of reasons. It provides you payments amortized over a period of time to a set projected payoff date to help you budget your finances easier. Simply complete our quick two-minute online form to submit your request and your money can be available as early as the next business day in most cases!

You will not be charged any fee to fill out and submit a loan request on smartloansfirst.com. The loan amount and the time table you select will determine the actual loan rate; along with your credit score, credit usage, and your credit history. If you are presented with a loan, you will have the chance to review the offer provided by the direct lender before you accept the loan agreement that will be made between you and the lender.

- You must be at least 18 years old
- You must have permanent residence in United States
- You are not registered in the RKI / Debtor Register (DBR)

The offers you receive are preliminary offers, which are provided that the information you have entered, are correct.

If you are approved for a personal loan, your lender will provide you with your exact fees and the interest rate that is associated with your loan before you formally agree to the offer. Smartloansfirst.com is not a lending operation, therefore it is unable to notify you of what the exact fees and interest will be on your loan. Please know that you are under no obligation to accept any loan term that a lender offers.

Terms of your loan will vary based on the amount of the loan and the period of time to repay. Other factors may include the state you live in, your source of income, and your repayment history. Please contact your lender directly for questions regarding your loan.

Representative Example:

Repayment terms are dependent upon your lender, and may be dependent upon such factors as the state you live in, the amount of the loan, the length of repayment time, and your credit history. Typically, payments are made once or twice a month. Please contact your lender with any questions about the repayment process.

Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or TransUnion. Credit checks or consumer reports through alternative providers may be obtained by some lenders. Please check with your participating lender.

Once you’ve submitted your loan request your funds are typically deposited into your bank account within one business day if approved.

Your loan request should take just a few minutes to complete. Upon completion your loan request may be approved within minutes. If approved, your funds can be available as soon as the next business day. Processing times vary depending on the lender.

At this time, lenders require a driver’s license or state ID card to help verify identity during your loan request (passports may or may not be accepted post loan request submission.).