smarterfinancials.com
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184.94.213.94
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URL:
https://smarterfinancials.com/
Submission: On July 06 via api from GB — Scanned from GB
Submission: On July 06 via api from GB — Scanned from GB
Form analysis 1 forms found in the DOM
POST https://tr4ckme.com/d.ashx
<form action="https://tr4ckme.com/d.ashx" method="POST">
<input type="hidden" name="ckm_campaign_id" value="798">
<input type="hidden" name="ckm_key" value="r4CZX7zW7Tw">
<input type="hidden" name="landing_page" value="https://smarterfinancials.com">
<input type="hidden" name="universal_leadid" value="2EC38442-37C6-7748-D6ED-F348E870BF76">
<input type="hidden" name="ip_address" value="217.138.196.107">
<div class="progress_holder">
<div class="progress-bar-container">
<div class="progress-bar"></div>
</div>
</div>
<div class="swiper-container swiper-initialized swiper-horizontal swiper-autoheight">
<div class="swiper-wrapper" id="swiper-wrapper-346c710499c729e39" aria-live="polite" style="height: 380px;">
<div class="swiper-slide swiper-slide-active" role="group" aria-label="1 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>How much would you like to borrow? <span class="req">*</span></label>
<input type="text" id="usd-input" placeholder="Enter Amount" required="" name="usd-input" class="form-control">
<input type="hidden" id="loan_amount" placeholder="Enter Amount" required="" name="loan_amount" class="form-control">
<span class="err_msg hidden">This field is required</span>
<div class="check_holder">
<input id="consent" class="gfield-choice-input" required="" name="consent" type="checkbox"
value="Check box acknowledging the following: I hereby provide my express consent to be contacted at the telephone number by Smarter Financials, Smarter Financials in connection with my loan request, for other marketing purposes and related to credit or credit repair offers, including contact through automatic dialing systems or text messages. I understandthat my consent applies to these text messages and telemarketing calls even if I have subscribed to a federal, state or company "Do Not Call" registry. Message and data rates may apply. To opt-out, please follow the unsubscribe instructions within the text message. My check of the preceding box shall be my electronic signature to this consent. I understand that consent is not a condition to utilize our services">
<label for="consent">By checking this box, I agree that I have read, understand and consent to Smarter Financials's <span class="pp_modal" data-toggle="modal" data-target="#pp_modal">Privacy Policy</span>, <span class="sign_modal"
data-toggle="modal" data-target="#sign_modal">E-Signature Consent</span>, <span class="contact_modal" data-toggle="modal" data-target="#contact_modal">Contact Authorization</span> , and <span class="other_modal" data-toggle="modal"
data-target="#pp_modal">Other Messaging Policy</span></label>
</div>
<span class="btnNext">next</span>
</div>
</div>
<div class="swiper-slide swiper-slide-next" role="group" aria-label="2 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>How do you want to spend the money? <span class="req">*</span></label>
<select required="" name="loan_reason" id="input_8_74" class="large gfield_select" aria-required="true" aria-invalid="false">
<option value="" selected="selected">Please select reason for loan</option>
<option value="Auto">Auto</option>
<option value="Credit card consolidation">Credit card consolidation</option>
<option value="Debt settlement">Debt settlement</option>
<option value="Education">Education</option>
<option value="Home improvement">Home improvement</option>
<option value="Medical">Medical</option>
<option value="Relocation">Relocation</option>
<option value="Renewable energy">Renewable energy</option>
<option value="Small business">Small business</option>
<option value="Travel">Travel</option>
<option value="Wedding">Wedding</option>
<option value="Other">Other</option>
</select>
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="3 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>What is your estimated credit score?<span class="req">*</span></label>
<ul class="gfield_radio" id="input_8_145">
<li class="gchoice gchoice_8_145_0">
<input class="hidden" name="credit_score" type="radio" required="" value="Excellent (720+)" id="choice_8_145_0">
<label for="choice_8_145_0" id="label_8_145_0" class="gform-field-label gform-field-label--type-inline">Excellent (720+)</label>
</li>
<li class="gchoice gchoice_8_145_1">
<input class="hidden" name="credit_score" type="radio" value="Good (660-719)" id="choice_8_145_1">
<label for="choice_8_145_1" id="label_8_145_1" class="gform-field-label gform-field-label--type-inline">Good (660-719)</label>
</li>
<li class="gchoice gchoice_8_145_2">
<input class="hidden" name="credit_score" type="radio" value="Fair (600-659)" id="choice_8_145_2">
<label for="choice_8_145_2" id="label_8_145_2" class="gform-field-label gform-field-label--type-inline">Fair (600-659)</label>
</li>
<li class="gchoice gchoice_8_145_3">
<input class="hidden" name="credit_score" type="radio" value="Poor (Under 599)" id="choice_8_145_3">
<label for="choice_8_145_3" id="label_8_145_3" class="gform-field-label gform-field-label--type-inline">Poor (Under 599)</label>
</li>
<li class="gchoice gchoice_8_145_4">
<input class="hidden" name="credit_score" type="radio" value="No Credit Established" id="choice_8_145_4">
<label for="choice_8_145_4" id="label_8_145_4" class="gform-field-label gform-field-label--type-inline">No Credit Established</label>
</li>
</ul>
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="4 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>What is your employment status?<span class="req">*</span></label>
<ul class="gfield_radio" id="input_8_147">
<li class="gchoice gchoice_8_147_0">
<input type="radio" required="" name="employment_status" class="hidden" value="Employed" id="choice_8_147_0">
<label for="choice_8_147_0" id="label_8_147_0" class="gform-field-label gform-field-label--type-inline">Employed</label>
</li>
<li class="gchoice gchoice_8_147_1">
<input type="radio" name="employment_status" class="hidden" value="Self employed" id="choice_8_147_1">
<label for="choice_8_147_1" id="label_8_147_1" class="gform-field-label gform-field-label--type-inline">Self employed</label>
</li>
<li class="gchoice gchoice_8_147_2">
<input type="radio" name="employment_status" class="hidden" value="Social security or disability" id="choice_8_147_2">
<label for="choice_8_147_2" id="label_8_147_2" class="gform-field-label gform-field-label--type-inline">Social security or disability</label>
</li>
<li class="gchoice gchoice_8_147_3">
<input type="radio" name="employment_status" class="hidden" value="Benefits" id="choice_8_147_3">
<label for="choice_8_147_3" id="label_8_147_3" class="gform-field-label gform-field-label--type-inline">Benefits</label>
</li>
<li class="gchoice gchoice_8_147_4">
<input type="radio" name="employment_status" class="hidden" value="Unemployed" id="choice_8_147_4">
<label for="choice_8_147_4" id="label_8_147_4" class="gform-field-label gform-field-label--type-inline">Unemployed</label>
</li>
</ul>
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="5 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>How often are you paid?<span class="re">*</span></label>
<ul class="gfield_radio" id="input_8_149">
<li class="gchoice gchoice_8_149_0">
<input type="radio" required="" name="paid_often" class="hidden" value="Monthly" id="choice_8_149_0">
<label for="choice_8_149_0" id="label_8_149_0" class="gform-field-label gform-field-label--type-inline">Monthly</label>
</li>
<li class="gchoice gchoice_8_149_1">
<input type="radio" name="paid_often" class="hidden" value="Twice a month" id="choice_8_149_1">
<label for="choice_8_149_1" id="label_8_149_1" class="gform-field-label gform-field-label--type-inline">Twice a month</label>
</li>
<li class="gchoice gchoice_8_149_2">
<input type="radio" name="paid_often" class="hidden" value="Every other week" id="choice_8_149_2">
<label for="choice_8_149_2" id="label_8_149_2" class="gform-field-label gform-field-label--type-inline">Every other week</label>
</li>
<li class="gchoice gchoice_8_149_3">
<input type="radio" name="paid_often" class="hidden" value="Weekly" id="choice_8_149_3">
<label for="choice_8_149_3" id="label_8_149_3" class="gform-field-label gform-field-label--type-inline">Weekly</label>
</li>
</ul>
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="6 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>What is your monthly income?<span class="req">*</span></label>
<select name="monthly_income" id="input_8_151" class="large gfield_select" aria-describedby="gfield_description_8_151" aria-required="true" aria-invalid="false">
<option value="$30000+">$30,000+</option>
<option value="$20000-$29999">$20,000-$29,999</option>
<option value="$10000-$19999">$10,000-$19,999</option>
<option value="$8000-$9999">$8,000-$9,999</option>
<option value="$6000-$8000">$6,000-$8,000</option>
<option value="$4000-$6000">$4,000-$6,000</option>
<option value="$2000-$4000">$2,000-$4,000</option>
<option value="$1000 or less">$1,000 or less</option>
</select>
<span class="err_msg hidden">This field is required</span>
<div class="short_desc">You may be asked to verify your income</div>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="7 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>Do you have a checking account?<span class="req">*</span></label>
<ul class="gfield_radio" id="input_8_153">
<li class="gchoice gchoice_8_153_0">
<input name="have_checking_account" type="radio" required="" value="Yes" id="choice_8_153_0">
<label for="choice_8_153_0" id="label_8_153_0" class="gform-field-label gform-field-label--type-inline">Yes</label>
</li>
<li class="gchoice gchoice_8_153_1">
<input name="have_checking_account" type="radio" value="No" id="choice_8_153_1">
<label for="choice_8_153_1" id="label_8_153_1" class="gform-field-label gform-field-label--type-inline">No</label>
</li>
</ul>
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="8 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>Do you have a Direct Deposit?<span class="req">*</span></label>
<ul class="gfield_radio" id="input_8_153">
<li class="gchoice gchoice_8_153_0">
<input name="have_direct_deposit" type="radio" required="" value="Yes" id="deposit_yes">
<label for="deposit_yes" id="label_8_153_0" class="gform-field-label gform-field-label--type-inline">Yes</label>
</li>
<li class="gchoice gchoice_8_153_1">
<input name="have_direct_deposit" type="radio" value="No" id="deposit_no">
<label for="deposit_no" id="label_8_153_1" class="gform-field-label gform-field-label--type-inline">No</label>
</li>
</ul>
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="9 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>What is your zip code? <span class="req">*</span></label>
<input type="tel" id="zip" maxlength="5" placeholder="Enter Zip Code" name="zip_code" class="form-control" required="">
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="10 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>What is your street address? <span class="req">*</span></label>
<div class="streetBox">
<input type="text" name="address" required="" class="form-control" placeholder="Street">
<div class="city_state">
<input type="text" name="city" required="" placeholder="City" class="form-control">
<input type="text" name="state" required="" placeholder="State" class="form-control">
</div>
</div>
<span class="err_msg hidden">This field is required. Please complete the following fields: Street Address, City, State / Province.</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="11 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>Do you own or rent your home?<span class="req">*</span></label>
<ul class="gfield_radio" id="input_8_153">
<li class="gchoice gchoice_8_153_0">
<input name="homeownership" type="radio" required="" value="own" id="own">
<label for="own" id="label_8_153_0" class="gform-field-label gform-field-label--type-inline">Own</label>
</li>
<li class="gchoice gchoice_8_153_1">
<input name="homeownership" type="radio" value="rent" id="rent">
<label for="rent" id="label_8_153_1" class="gform-field-label gform-field-label--type-inline">Rent</label>
</li>
</ul>
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="12 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>How long have you lived at this address?<span class="re">*</span></label>
<ul class="gfield_radio" id="input_8_164">
<li class="gchoice gchoice_8_164_0">
<input name="years_at_address" type="radio" required="" value="5 years or more" id="choice_8_164_0">
<label for="choice_8_164_0" id="label_8_164_0" class="gform-field-label gform-field-label--type-inline">5 years or more</label>
</li>
<li class="gchoice gchoice_8_164_1">
<input name="years_at_address" type="radio" value="3-4 years" id="choice_8_164_1">
<label for="choice_8_164_1" id="label_8_164_1" class="gform-field-label gform-field-label--type-inline">3-4 years</label>
</li>
<li class="gchoice gchoice_8_164_2">
<input name="years_at_address" type="radio" value="1-2 years" id="choice_8_164_2">
<label for="choice_8_164_2" id="label_8_164_2" class="gform-field-label gform-field-label--type-inline">1-2 years</label>
</li>
<li class="gchoice gchoice_8_164_3">
<input name="years_at_address" type="radio" value="4-11 months" id="choice_8_164_3">
<label for="choice_8_164_3" id="label_8_164_3" class="gform-field-label gform-field-label--type-inline">4-11 months</label>
</li>
<li class="gchoice gchoice_8_164_4">
<input name="years_at_address" type="radio" value="3 months or less" id="choice_8_164_4">
<label for="choice_8_164_4" id="label_8_164_4" class="gform-field-label gform-field-label--type-inline">3 months or less</label>
</li>
</ul>
<span class="err_msg hidden">This field is required. Please complete the following fields: Street Address, City, State / Province.</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="13 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>What is your email address? <span class="req">*</span></label>
<input type="text" id="email" name="email_address" required="" placholder="Email" class="form-control">
<div class="short_desc">Please enter a valid email address.</div>
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="14 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>Do you have a vehicle registered in your name?<span class="req">*</span></label>
<ul class="gfield_radio" id="input_8_166">
<li class="gchoice gchoice_8_166_0">
<input name="own_a_vehicle" type="radio" required="" value="Yes - it is paid off" id="choice_8_166_0">
<label for="choice_8_166_0" id="label_8_166_0" class="gform-field-label gform-field-label--type-inline">Yes - it is paid off</label>
</li>
<li class="gchoice gchoice_8_166_1">
<input name="own_a_vehicle" type="radio" value="Yes - I'm making payments" id="choice_8_166_1">
<label for="choice_8_166_1" id="label_8_166_1" class="gform-field-label gform-field-label--type-inline">Yes - I'm making payments</label>
</li>
<li class="gchoice gchoice_8_166_2">
<input name="own_a_vehicle" type="radio" value="No" id="choice_8_166_2">
<label for="choice_8_166_2" id="label_8_166_2" class="gform-field-label gform-field-label--type-inline">No</label>
</li>
</ul>
<spna class="err_msg hidden">This field is required</spna>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="15 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>What is your military affiliation?<span class="req">*</span></label>
<ul id="gform_fields_8_15" class="gform_fields top_label form_sublabel_below description_below">
<li class="gchoice gchoice_8_172_0">
<input name="military_affiliation" type="radio" required="" value="Not a servicemember" id="choice_8_172_0">
<label for="choice_8_172_0" id="label_8_172_0" class="gform-field-label gform-field-label--type-inline">Not a servicemember</label>
</li>
<li class="gchoice gchoice_8_172_1">
<input name="military_affiliation" type="radio" value="Active duty service member" id="choice_8_172_1">
<label for="choice_8_172_1" id="label_8_172_1" class="gform-field-label gform-field-label--type-inline">Active duty service member</label>
</li>
<li class="gchoice gchoice_8_172_2">
<input name="military_affiliation" type="radio" value="Dependent of an active duty service member" id="choice_8_172_2">
<label for="choice_8_172_2" id="label_8_172_2" class="gform-field-label gform-field-label--type-inline">Dependent of an active duty service member</label>
</li>
</ul>
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="16 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>How much unsecured debt do you have?<span class="req">*</span></label>
<span class="short_desc">Unsecured debt includes credit cards, personal loans, or medical bills</span>
<ul class="gfield_radio" id="input_8_173">
<li class="gchoice gchoice_8_173_0">
<input name="unsecured_debt" type="radio" required="" value="None" id="choice_8_173_0">
<label for="choice_8_173_0" id="label_8_173_0" class="gform-field-label gform-field-label--type-inline">None</label>
</li>
<li class="gchoice gchoice_8_173_1">
<input name="unsecured_debt" type="radio" value="$9999 or less" id="choice_8_173_1">
<label for="choice_8_173_1" id="label_8_173_1" class="gform-field-label gform-field-label--type-inline">$9,999 or less</label>
</li>
<li class="gchoice gchoice_8_173_2">
<input name="unsecured_debt" type="radio" value="$10000 - $19999" id="choice_8_173_2">
<label for="choice_8_173_2" id="label_8_173_2" class="gform-field-label gform-field-label--type-inline">$10,000 - $19,999</label>
</li>
<li class="gchoice gchoice_8_173_3">
<input name="unsecured_debt" type="radio" value="$20000 - $29999" id="choice_8_173_3">
<label for="choice_8_173_3" id="label_8_173_3" class="gform-field-label gform-field-label--type-inline">$20,000 - $29,999</label>
</li>
<li class="gchoice gchoice_8_173_4">
<input name="unsecured_debt" type="radio" value="$30000 or more" id="choice_8_173_4">
<label for="choice_8_173_4" id="label_8_173_4" class="gform-field-label gform-field-label--type-inline">$30,000 or more</label>
</li>
</ul>
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="17 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>What is your name?<span class="req">*</span></label>
<div class="city_state">
<input type="text" name="first_name" required="" placeholder="First Name" class="form-control">
<input type="text" name="last_name" required="" placeholder="Last Name" class="form-control">
</div>
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="18 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>What is your date of birth?<span class="req">*</span></label>
<input type="text" name="dob" id="date-input" maxlength="10" required="" placeholder="mm/dd/yyyy" class="form-control">
<span class="err_msg hidden">This field is required</span>
<span class="btnNext">next</span>
<span class="btnBack">back</span>
</div>
</div>
<div class="swiper-slide" role="group" aria-label="19 / 20" style="width: 1140px; margin-right: 150px;">
<div class="content">
<label>What is your phone number?<span class="req">*</span></label>
<input id="phone-input" name="phone_home" type="text" maxlength="14" required="" placeholder="(000) 000-0000" class="form-control">
<div class="check_holder">
<input class="gfield-choice-input" name="leadid_tcpa_disclosure" required="" type="checkbox" id="leadid_tcpa_disclosure">
<label for="leadid_tcpa_disclosure" id="label_8_118_1" class="gform-field-label gform-field-label--type-inline">Check box acknowledging the following: I hereby provide my express consent to be contacted at the telephone number by Smarter
Financials, Smarter Financials in connection with my loan request, for other marketing purposes and related to credit or credit repair offers, including contact through automatic dialing systems or text messages. I understandthat my
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be presented to a network of lenders and/or lending partners and those lenders and/or lending partners will review and verify my information in order to determine if I may qualify for a loan. I acknowledge that lenders, lending partners,
and other financial institutions may share my personal information with Smarter Financials and MBO Cal, including approval and funded status. *I understand that if I am not connected with a personal loan lender and/or lending partner at
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How much would you like to borrow? * This field is required By checking this box, I agree that I have read, understand and consent to Smarter Financials's Privacy Policy, E-Signature Consent, Contact Authorization , and Other Messaging Policy next How do you want to spend the money? * Please select reason for loan Auto Credit card consolidation Debt settlement Education Home improvement Medical Relocation Renewable energy Small business Travel Wedding Other This field is required next back What is your estimated credit score?* * Excellent (720+) * Good (660-719) * Fair (600-659) * Poor (Under 599) * No Credit Established This field is required next back What is your employment status?* * Employed * Self employed * Social security or disability * Benefits * Unemployed This field is required next back How often are you paid?* * Monthly * Twice a month * Every other week * Weekly This field is required next back What is your monthly income?* $30,000+ $20,000-$29,999 $10,000-$19,999 $8,000-$9,999 $6,000-$8,000 $4,000-$6,000 $2,000-$4,000 $1,000 or less This field is required You may be asked to verify your income next back Do you have a checking account?* * Yes * No This field is required next back Do you have a Direct Deposit?* * Yes * No This field is required next back What is your zip code? * This field is required next back What is your street address? * This field is required. Please complete the following fields: Street Address, City, State / Province. next back Do you own or rent your home?* * Own * Rent This field is required next back How long have you lived at this address?* * 5 years or more * 3-4 years * 1-2 years * 4-11 months * 3 months or less This field is required. Please complete the following fields: Street Address, City, State / Province. next back What is your email address? * Please enter a valid email address. This field is required next back Do you have a vehicle registered in your name?* * Yes - it is paid off * Yes - I'm making payments * No This field is required next back What is your military affiliation?* * Not a servicemember * Active duty service member * Dependent of an active duty service member This field is required next back How much unsecured debt do you have?* Unsecured debt includes credit cards, personal loans, or medical bills * None * $9,999 or less * $10,000 - $19,999 * $20,000 - $29,999 * $30,000 or more This field is required next back What is your name?* This field is required next back What is your date of birth?* This field is required next back What is your phone number?* Check box acknowledging the following: I hereby provide my express consent to be contacted at the telephone number by Smarter Financials, Smarter Financials in connection with my loan request, for other marketing purposes and related to credit or credit repair offers, including contact through automatic dialing systems or text messages. I understandthat my consent applies to these text messages and telemarketing calls even if I have subscribed to a federal, state or company "Do Not Call" registry. Message and data rates may apply. To opt-out, please follow the unsubscribe instructions within the text message. My check of the preceding box shall be my electronic signature to this consent. I understand that consent is not a condition to utilize our services This field is required next back What is your Social Security Number?* We do a soft pull which does not affect your credit score. We use 256-bit SSL technology to encrypt your data. This field is required Providing your social security number is your consent under the Fair Credit Reporting Act for Smarter Financials and it's affiliates with whom you are connected to obtain your consumer credit report from your credit profile or other information from contracted Credit Bureau(s) associated with your pre-qualification for credit inquiry. By providing my Social Security Number and clicking on "View Offers" above, I consent, acknowledge, and agree to the following: *Terms of Service, Privacy Policy, Credit Authorization Agreement, E-Consent, Arbitration Notice, Advertiser Disclosure, and Personal Loan Notice. *By continuing with the prequalification process, I understand and agree that I am authorizing Smarter Financials and MBO Cal to obtain a consumer report from TransUnion. Smarter Financials and MBO Cal may use the report to authenticate your identity and connect you with products or services. The inquiry is a soft pull of your consumer report and does not affect your credit score. I understand my information will be presented to a network of lenders and/or lending partners and those lenders and/or lending partners will review and verify my information in order to determine if I may qualify for a loan. I acknowledge that lenders, lending partners, and other financial institutions may share my personal information with Smarter Financials and MBO Cal, including approval and funded status. *I understand that if I am not connected with a personal loan lender and/or lending partner at the requested amount, my information may be shown to additional lenders and/or lending partners who provide lower loan amounts and higher rates. I also understand that if I am not connected with a Lender I may be connected with other financial service providers that offer products associated with my selected loan purpose. agree and see your rate back To check the rates and terms you qualify for, Smarter Financials conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Terms and conditions apply. Smarter Financials RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet Smarter Financials’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If Smarter Financials is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. Smarter Financials Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of Smarter Financials Personal Loans funded in 2021 was around $23k. Information current as of 10/12/22. Smarter Financials.com/legal for state-specific license details. Personal Loan Rates and Terms: Fixed rates from 7.99% APR to 23.43% APR. Smarter Financials rate ranges are current as of 5/20/22 and are subject to change based on market conditions and borrower eligibility. Interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a Smarter Financials loan. Minimum loan requirements might be higher than $5,000 and interest-rate caps may be lower in some states due to legal requirements and may impact your eligibility to qualify for a Smarter Financials loan. The average of Smarter Financials Personal Loans funded in 2021 was around $23k. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors. Subject to receipt of required documentation, underwriting guidelines, and processing time by your institution. Loans for amounts over $20,000 may require additional underwriting review time. Funds are disbursed via ACH as soon as the next business day after approval and acceptance of terms. Autopay is not required to receive a loan from Smarter Financials. PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Smarter Financials reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change. Fixed Rates: Fixed rates range from 7.99% APR to 23.43% APR. Enrolling in autopay is not required to receive a loan from Smarter Financials. Loan Terms: Smarter Financials Personal Loans offer loans with a period of repayment between 2 and 5-year terms. Loan Fees: Smarter Financials personal loans have origination fees from $100 to 5% of the loan amount, depending on state guidelines, $25 late fees, no prepayment penalties. PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, and a fixed rate between 7.99% APR to 23.43% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. Smarter Financials does not offer variable rate personal loans. State restrictions may apply. * Same-Day Personal Loan Funding: 86% of typical Smarter Financials Personal Loan applications, excluding Direct Pay Personal Loans and Personal Loan refinance, from January 1, 2021 to December 1, 2021 that were signed before 7pm ET on a business day were funded the same day. © 2023 Smarter Financials. All Rights Reserved. × SMARTER FINANCIALS OTHER MESSAGING POLICY By checking the box and clicking “Continue”, you authorize us, our agents, representatives, and service providers to call or send text messages to the mobile number you have provided in your application, and any mobile number you later provide, using an automatic telephone dialing system or prerecorded messages. You are not required to authorize marketing calls or marketing text messages in order to obtain credit or other services from us. If you do not wish to receive sales or marketing calls or text messages from us, you should not consent to this section. You understand that any calls we make or messages we send you may be accessed by anyone with access to your mobile device. You also understand that your mobile phone service provider may charge you fees for calls or text messages that we send you, and you agree that we shall have no liability for the cost of any such calls or text messages. All standard wireless carrier fees and data charges may apply. At any time, you may withdraw your consent to receive marketing calls or text messages to your mobile device. Alternatively, simply reply “STOP” to any marketing text message that we send you. Continue × SMARTER FINANCIALS ESIGNATURE CONSENT By checking the box and pressing continue below, you consent to receive disclosures from Smarter Financials (“we” or “us”) electronically through this website or by email. By consenting to the electronic delivery of disclosures, you agree that we may provide electronically any and all communications concerning our decisions on your application, the terms of any loan that may be provided to you, our privacy policy, the status and history of your loan and any further disclosures required by federal or state law (the “Disclosures”). The Disclosures may include disclosures pursuant to: * (1) the federal Equal Credit Opportunity Act and Regulation B * (2) the federal Fair Credit Reporting Act * (3) the federal Truth in Lending Act and Regulation Z * (4) the federal Electronic Funds Transfer Act and Regulation E * (5) the federal Gramm-Leach-Bliley Act * (6) the federal Telephone Consumer Protection Act and * (7) any other applicable federal, state or local law or regulation Your consent applies not only to the application and any resulting loan but also to any payment plan or other ancillary agreement related to your loan and to any future loans from, or arranged by, us. To electronically receive and view and electronically save or print the Disclosures, you must have: * (1) a personal computer or smartphone with Internet access * (2) a widely-used, recent-generation web browser (for example, Chrome, Internet Explorer, Safari or Firefox) * (3) a portable document file reader (for example, Adobe Reader) * (4) the email address specified on your application (or a new email address you subsequently provide us) and * (5) either a printer, hard drive or other storage device We anticipate that any emails we send you may have file sizes up to 5mb (but not larger). You should make sure that any spam filter you use is set to allow receipt of messages from info@SmarterFinancials.com. If the electronic contact information you have supplied us changes, please notify us of your new contact information by sending an email to info@SmarterFinancials.com. You represent that you have the hardware, software, email address and email capacities described above. You have the right to withdraw your consent to receipt of electronic disclosures, but any withdrawal of consent will only operate prospectively as to future disclosures. Prior to submission of your application and execution of the loan documents, you may withdraw your consent to receipt of electronic disclosures by exiting this website. To withdraw your consent after this time, send an email stating that you withdraw your consent to receipt of electronic disclosures to info@SmarterFinancials.com. Include your name, address, and loan number in any such request. To update the contact information we have for you, email your updated information to info@SmarterFinancials.com. You have the option to receive any information that we have provided electronically in paper form at no cost to you. Continue × SMARTER FINANCIALS CONTACT AUTHORIZATION Telephone Calls—Monitoring, Voice Mail, SMS and Email Messages: We, along with our agents, representatives, and service providers (collectively “we” or “us”), may use an automated telephone dialing system and manual calls to provide live and pre-recorded messages to our customers about loan due dates, collection matters and other important information. These messages are played automatically when the telephone is answered whether answered by you or someone else. They may also be recorded by your answering machine or voicemail. You give us your consent to call any telephone number you have given us, even if the number is a work number, cell number or any other number, and even if you are charged for the call. You agree that we may play live and pre-recorded messages with information about any loans(s) you have with us. You agree that we will not be liable to you for any such calls. You also agree that from time to time, we may monitor and record telephone conversations between you and us. Additionally, unless you opt out, you agree to receive messages about loan due dates, collection matters and important information from us via SMS text messages on your cell phone and by email. You also consent that we – or in the event that your account is turned over to a third party for collections, our collections agents – may contact you via email to any email address associated with your account. In addition, you consent that we may transmit SMS/Text messages to any wireless telephone number associated with your account. This agreement shall remain in effect until you opt out. To opt out, you may notify us by replying “STOP” to the message you received from your mobile device, or by sending written instructions to us via email (info@SmarterFinancials.com). You may request help by replying “HELP” to the message you received Continue × SMARTER FINANCIALS OTHER MESSAGING POLICY By checking the box and clicking “Continue”, you authorize us, our agents, representatives, and service providers to call or send text messages to the mobile number you have provided in your application, and any mobile number you later provide, using an automatic telephone dialing system or prerecorded messages. You are not required to authorize marketing calls or marketing text messages in order to obtain credit or other services from us. If you do not wish to receive sales or marketing calls or text messages from us, you should not consent to this section. You understand that any calls we make or messages we send you may be accessed by anyone with access to your mobile device. You also understand that your mobile phone service provider may charge you fees for calls or text messages that we send you, and you agree that we shall have no liability for the cost of any such calls or text messages. All standard wireless carrier fees and data charges may apply. At any time, you may withdraw your consent to receive marketing calls or text messages to your mobile device. Alternatively, simply reply “STOP” to any marketing text message that we send you. Continue