Smarter Finance USA is your source for equipment financing and small business loans.
Is Smarter Finance USA legit?
Smarter Finance USA (smarterfinanceusa.com) has a 4.9 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 98% rating it 4 stars or higher; The business has replied to 50% of negative reviews; 14 of them were added in the last 12 months. Last updated 2026-09-04.
I recently had the pleasure of working with Robert Jackson from Smarter Finance USA, and I must say, the experience exceeded my expectations. From start to finish, his professionalism and expertise were evident. RJ took the time to understand my financial goals and tailored their recommendations accordingly. The level of transparency and communication throughout the process was remarkable. I always felt informed and confident in the decisions being made. I highly recommend Smarter Finance USA to anyone seeking reliable and expert financial services. Thank you RJ for your outstanding support and contribution to our firms growth!
This was my first financing and I was very nervous but nick made this process easy, smooth and I felt so comfortable asking him any questions.
He was very patient throughout the process and I had a very wonderful pleasant experience.
If you are looking to finiance a truck Nick is your guy.
Thank you nick and thanks for your team for the excellent service you gave us.
I normally don’t do reviews but this was by far the best experience I have ever had in purchasing a truck so I feel it’s necessary to share. I own a fleet of trucks and I have purchased multiple trucks from Penske, Ryder, TruckPapers, etc. and to be honest I have never had a smoother process than this purchase with Daryn King. I did the application and applied on Monday and today is Friday and the loan is finalized and funded and I’m good to pick up the truck. The process couldn’t be any easier. Daryn was so helpful, very knowledgeable and always on top of it to make it a quick and easy process. Every year I make new purchases to grow my fleet and Daryn has my business for life. So thank you again for all your help! See you on the next one. God bless.
Mr. Clem M. was very helpful and informative. Customer service was unmatched filled with compassion, empathy and sympathy. Regardless of the outcome of my call Mr. Clem M. was exceptionally awesome!!!!!
What a WAIST of time and resources. I went back and fourth with this company looking to secure a equipment loan and after many times requesting additional documentation nothing came together. I emailed the president of the company and asked him to look into this but nothing he could leverage and he was the President of the company. Whoever they use for financing projects they need to NEVER use them again AND we were only requesting a 15k equipment loan. My recommendation to the company is to find away to finance in house deals and you will make money and attract guys like me.
Reply from Smarter Finance USA2024-02-26
Earnest, we sincerely appreciate your feedback on this situation. We were unable to get this one approved, and I understand how frustrating that is, especially after spending time working on it with us. Each lender has specific criteria for approval, and even after reaching out to others I don't usually work with...we were still unable to get your request approved. I'm also frustrated by the result as we'd hoped to have been able to help you. While we did not meet your expectations in getting your request approved, I hope that your rating has more to do with the result of our efforts than on the efforts themselves. As a broker we can only play within the guidelines set by the underwriters, and it is unfortunate that we missed on this one. I'm in Anaheim frequently and very much look forward to visiting your location as soon as possible. It's a great concept and am confident that the location and concept are a winning combination with you at the helm.
Jenn is absolutely awesome to work with. She will go beyond the extra mile for you and your needs. Can not say enough great things about Smarter Finance and Jenn. You will be glad you have them a chance to earn your business. Great working with you Jenn.. talk to ya soon.
Thanks to Anthony I’m in the position I am today . His perseverance to find me the perfect unit led to me having the truck I have now and been able to accomplish everything so far. He was very transparent, sought for what was best for me during the whole transaction. Knew exactly what I was looking for and was able to accomplish for me. Thanks to his hard work and determination I was able to obtain the truck I have. If your not financing with Anthony, you simple don’t want what’s best for yourself!
Anthony was awesome in every aspect of my deal from initial conversation about my equipment needs to final closing on my deal. Any questions I had he answered clearly and with knowledge, and was more than happy to help me day, night and even on the weekend. I couldn’t have asked for a better, smoother transaction. I will and have recommend Anthony to people I know or anyone who asks for a smooth deal. You won’t find a better person than Anthony to help you with your next deal. Thank you so much for everything.
Anthony is awesome he did a great job. He closed my deal in less than five days from start to finish could not ask for a better experience. I recommend him to anyone that is looking to buy equipment.
Jenn was amazing and worked hard to get us the finance we needed for our business. She listened to us and came through with the rates and terms we desired and made the process very seamless and hassle free.
Jenn is a true professional and takes pride in delivering on a promise and communicates clearly and accurately.
Thanks Jenn and the team at Smarter we appreciate your efforts and will not hesitate to use you again.
We had the pleasure of working with Daryn King a second time. The process couldn't be any simpler and moves along at a very quick pace. Would highly recommend!
I had a great experience with this company. The application process was smooth, and Eric was incredibly helpful. He took the time to explain the best option for my business. I appreciate the transparency throughout. Overall, a reliable and customer-friendly service that I would recommend to others.
Kevin, was able to help us every step of the way. He went above and beyond during the financial process. He was easy to contact any time we needed. He also called us daily sometimes multiple times day just to keep us updated. Thanks
My experience with was very smooth very professional and very Knowledgeable.He is on point the whole process of the loan my next truck will be with Kevin .Thanks for help your awesome Kevin.
Daryn King is the man! I’ve worked with this company multiple times and each and every time it’s over the top customer service! I’ve recommended to dozens of people and lost have used them with the same outcome! Thank you guys once again for putting in the extra effort and time to help us!
Jennifer Phillips, is absolutely a blast to work with! Once you start a financial relationship with her, it’s a cakewalk on all your purchases in the future. She is very professional, informative, and extremely prompt. She has access to many financial institutions to get you the most options for what fits your needs. Smarter Finance is like having a personal assistant to help you every step of the process.
Allen Smith was super helpful and I love that he was on top of everything. Allen got me an answer in less than 3 days without wasting my time. This was my first time working with him, but will definitely not be the last. Thank you Allen thanks to you my business will grow to another level and for that I will always be grateful.
Anthony Alvarez has made two purchases possible for me and my company, he has been a very valuable asset, he’s walked us through financing equipment and took care of ever concern and explained things thoroughly. He has went above and beyond working after hours and weekends to accommodate our schedule and checked in along the way. There’s no where else we will be working with after dealing with Anthony at smarter finance he is our go to guy.
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