Website terms

Clear expectations.

Effective October 3, 2026

About the service

SmartLoan provides loan education, an illustrative calculator and a connection to a third-party loan request form. SmartLoan is not a lender, does not make credit decisions and cannot guarantee loan availability, approval or an amount.

Eligibility

The loan request experience is intended for United States residents age 18 and older. Loan products and availability vary by state and lender.

Third-party services

Round Sky operates the loan request form. Its own terms, privacy policy and consents govern use of that form. A lender’s agreement governs any loan you accept. Read these terms before sharing details or accepting an offer.

Educational information

Site content is general information. Calculator results are illustrations using the inputs you choose, not offers or quotes. We do not verify that a lender will offer those inputs, amounts or terms.

Responsible use

Provide accurate information to providers and do not misuse the website, interfere with its operation or impersonate another person. Consider the complete repayment obligation before borrowing.

Compensation

SmartLoan may receive referral compensation through the network. SmartLoan does not charge an application fee.

Help

Visit Help for the relevant support route. Existing loan payments, balances and servicing are handled by your lender.