The personal loan guide

A little more clarity.
A more informed choice.

A personal loan lets you borrow money and repay it under the lender’s agreed terms. Costs and eligibility vary, so it helps to understand the full repayment obligation before accepting an offer.

Explore loan options

Start with the reason

Personal loans are sometimes used for unexpected expenses, planned purchases or debt consolidation. Consider whether borrowing solves the expense or creates a payment you cannot comfortably manage.

Compare the full cost

Look at APR, including fees where applicable, and total repayment.
Check the repayment period and monthly payment.
Review origination fees, late fees, prepayment rules and renewal terms.
For debt consolidation, compare new costs with your existing debts. A smaller monthly payment can come with a longer repayment period.

Prepare accurate information

A lender or financial partner may need your identity, contact details, employment, income and banking information. Enter these only in the network form after reading its privacy and consent language.

Understand the process

SmartLoan introduces you to a loan request form provided by Round Sky. The network may share your request with financial partners. SmartLoan does not decide eligibility, approve loans or set rates.

Submitting a request does not guarantee an offer. Loans are not available in every state, and the amount requested may differ from an amount offered.

Estimate a monthly payment

Questions, answered.

Is SmartLoan a lender?

No. SmartLoan is a referral website. Our loan request form is provided by Round Sky, which sends requests through its financial partner network. Lenders decide whether to offer a loan and set the terms.

Does exploring options guarantee a loan?

No. Completing a loan request does not guarantee approval, a specific rate, or a loan amount. Availability depends on your details, the lender, and your state.

Will someone contact me?

You may be contacted by the network or its partners after you share your details. Read the contact and data-sharing consent inside the loan form before continuing.

Will my credit be checked?

A lender or financial partner may check credit as part of its process. Review the form disclosures and the lender’s terms to understand the type of check and any potential effect on your credit.

What will I need?

The network form may ask for identity, contact, employment, income, and bank information. Have accurate details ready. SmartLoan does not collect those details in its own site form.

Can I use SmartLoan outside the United States?