Smart Money Capital is one of the fastest-growing online lending companies in the industry, and we take pride in helping people get back on track with our low-rate personal and business loans. We’re here to provide access to capital when you need it most. Whether it’s to payoff debt, or cover one of life’s unexpected expenses, we’re here for you. We prioritize transparency and work hard on your behalf. Contact us today to learn more about how we can assist you in reaching your financial goals! Apply Today! Contact Us
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Is Smart Money Capital legit?
Smart Money Capital (smartmoneycapital.com) has a 4.7 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 94% rating it 4 stars or higher; The business has replied to 100% of negative reviews; 34 of them were added in the last 12 months. Last updated 2026-08-30.
What made my experience great? Is that Dylan gave me the best solution, was thorough, and so personnel although I was already at maximum d-t-i ratio which put me at ease!! He explained everything thoroughly and made sure I understood if it worked for me. I would recommend him for sure.
Reply from Smart Money Capital2025-08-01
Thank you so much for your kind words and for sharing your experience! We’re thrilled to hear that Dylan was able to provide you with a thoughtful, thorough solution that made you feel comfortable—especially while navigating a high DTI situation.
Dylan takes great pride in making sure each client fully understands their options, and we’re so glad that his professionalism and personal touch helped put you at ease.
We truly appreciate your recommendation and are grateful to have earned your trust. If there’s anything more we can do to support you or someone you refer, don’t hesitate to reach out!
—The Smart Money Capital Team
The representative was very informative and let me know what to expect from Smart Money Capital.
Reply from Smart Money Capital2025-08-01
Thank you for sharing your experience! We’re glad to hear that our representative provided clear and helpful information about what to expect with Smart Money Capital. Transparency and communication are top priorities for us, and we're happy to know you felt informed throughout the process. If you ever have additional questions or need support, we're just a call away!
—The Smart Money Capital Team
Thank you for your kind words! We're happy to hear that Ignat was helpful and made a positive impression. We'll be sure to pass along your feedback to him. If you need anything else, we're always here to help!
—The Smart Money Capital Team
I especially enjoyed the one on one interaction and the clear direction and explanation of the program.
Reply from Smart Money Capital2025-08-01
Thank you for your feedback! We’re so glad to hear that you enjoyed the one-on-one interaction and found the explanation of the program clear and helpful. Providing personalized support and transparency is what we strive for, and it’s great to know that made a difference in your experience. We're here if you need anything moving forward!
—The Smart Money Capital Team
I was swimming in payments and going under. Smart Money came through and helped give me some relief.
Reply from Smart Money Capital2025-08-01
Thank you for sharing your experience. We're truly grateful to have been able to support you during a difficult time. Hearing that we could help bring you some relief means everything to us—that’s exactly why we do what we do. If there's anything you ever need in the future, we're here for you.
—The Smart Money Capital Team
Thank you for your feedback! We’re glad you experienced fast service—our team works hard to provide timely support. If you need anything else, we’re here to help!
—The Smart Money Capital Team
The people were very polite and pleasant to talk to. They also explained everything and you can understand it. I would recommend them to anyone
Reply from Smart Money Capital2025-08-01
Thank you so much for your kind words! We’re delighted to hear that our team was polite, clear, and easy to talk to. Making sure our clients understand every step is very important to us. We truly appreciate your recommendation and are here anytime you or your friends need support!
—The Smart Money Capital Team
Your professionalism and willingness to help me get out of debt paying no more interest.
Reply from Smart Money Capital2025-08-01
Thank you for your kind feedback! We’re proud to provide professional service and to help our clients reduce their debt without paying unnecessary interest. It’s rewarding to know we’re making a positive impact on your financial journey. If you ever need further assistance, we’re here to help!
—The Smart Money Capital Team
Alyssa E. was extremely helpful in this process. She answered all of my questions and concerns.
Reply from Smart Money Capital2025-08-01
Thank you for your kind words! We’re so glad to hear that Alysa was able to assist you and address all your questions and concerns. We’ll be sure to pass along your compliments to her. If you need anything else, we’re always here to support you!
—The Smart Money Capital Team
I truly appreciate the professional manner in which Senior Analyst Ignat Bokl handled my account today. He was polite and made sure I understood every aspect of the process. Thank you for making my life easier today!
Reply from Smart Money Capital2025-08-01
Thank you for your thoughtful feedback! We’re thrilled to hear that Senior Analyst Ignat Bokl provided you with professional and clear support throughout your process. Making our clients’ lives easier is exactly what we strive for, and we’ll be sure to share your kind words with Ignat. If you need any further assistance, please don’t hesitate to reach out.
—The Smart Money Capital Team
I had questions that were very important to me and I was extremely impressed with the answers I received. They certainly are very knowledgeable.
Reply from Smart Money Capital2025-08-01
Thank you for your kind feedback! We’re glad to hear that our team was able to provide knowledgeable and helpful answers to your important questions. Providing clear and accurate information is a top priority for us. If you ever need further assistance, we’re here to help!
—The Smart Money Capital Team
I was nervous when I made the online request for assistance. Within 30 minutes I knew I made a good decision and 30 minutes after that, I took my first deep breath and actually slept all night. 😁
Reply from Smart Money Capital2025-08-01
Thank you so much for sharing your experience! We know how stressful reaching out for help can be, and we’re so glad William and our team were able to put your mind at ease quickly. Hearing that you got a good night’s sleep means the world to us—that’s exactly the peace of mind we strive to provide. If you ever need anything else, we’re here for you!
—The Smart Money Capital Team
I was sent pre-approval in which they noted I am maxed on some cards. My plan was to use the loan to pay all the accounts and have a lower expenditure each month. They turned me down down, for the reason stated on the pre-approval..... Maxed cards....Does that make sense? Why send me the pre-approval if they where going to turn me down for something they all ready knew? Then they wanted me to sign up for "consolidation" where I let all my accounts go default and they work to negotiate a lower balance! I wanted to pay them off not go DEFAULT!!
Reply from Smart Money Capital2025-08-01
Thank you for sharing your concerns. We understand how confusing and frustrating this experience must have been. Our pre-approval process is based on an initial soft credit check that provides a general overview of credit status, but final loan approvals require a more detailed review—including updated account information and balances—which can sometimes lead to different outcomes.
Regarding the consolidation program, we apologize if it felt like defaulting was the only option presented. Our goal is always to offer solutions tailored to each client’s unique situation. While some programs involve negotiating balances, we never want clients to feel pressured to default, especially if your intention is to pay your debts responsibly.
We appreciate your feedback and would be happy to discuss alternative options that better align with your goals. Please feel free to reach out directly at [contact information] so we can assist you further.
—The Smart Money Capital Team
William was awesome, he really seemed to care about helping me resolve my debts. Give him a promotion.
Reply from Smart Money Capital2025-08-01
Thank you for your wonderful feedback! We’re thrilled to hear that William made such a positive impact and showed genuine care in helping you resolve your debts. We’ll definitely share your kind words with him—and who knows, maybe a promotion is in his future! If you need anything else, we’re here to support you.
—The Smart Money Capital Team
Thank you for your feedback! We’re glad to hear you found the process easy and straightforward. If you need any further assistance, feel free to reach out!
—The Smart Money Capital Team
The agent i talked to was great, her name was Alyssa. Shes comfortable to talk to and will tell you everything that you need to know.
Reply from Smart Money Capital2025-06-11
We're so glad to hear you had a positive experience with your agent. It's important to us that you feel comfortable and fully informed throughout the process. Thank you for the great feedback!
Thank you so much smart money capital for your help .I can go to sleep now without worries about my debts.Very accommodating and professional people .
Reply from Smart Money Capital2025-06-10
We're so glad to hear that you can rest easier now. It means a lot to know our team was able to support you in a professional and caring way. Thank you for your kind words!
Getting started was easy. they make you feel comfortable while getting the information they need to help you. The process is easy. If you are struggling with credit card debt, they will help you. They really want you to succeed in becoming debt free!
Reply from Smart Money Capital2025-06-11
We're grateful to be part of your journey toward financial freedom. Thank you so much for your kind words!
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