Personal Installment Loans
Explore personal loan options to help meet your financial needs. All loans subject to approval.
Loan Information
Key Terms
Loan Amounts: First-time borrowers qualify for $225. Returning borrowers may qualify for higher amounts based on payment history and eligibility criteria.
APR Range: 30% to 36% based on creditworthiness, loan amount, loan term, and state regulations
Loan Terms: 3 to 12 months, depending on loan amount and state requirements
Payment Schedule: Monthly fixed payments
Administrative Fees/Loan Origination Fee: Lesser of 5% or $50
Funding Timeline: If approved, funds are typically deposited within 1-3 business days
Prepayment: No prepayment penalties. You can pay off your loan at any time without additional fees
How Smart Pay Loans Work
Simple Application Process
Complete the online application at SmartPayLoans.com with your basic information. Documentation requirements vary based on application information and state regulations.
Transparent Pricing
Our rates range from 30% to 36% APR. We clearly disclose all terms, conditions, and fees before you sign your loan agreement.
Timely Funding
If approved, funds are typically deposited to your bank account within 1-3 business days, depending on your bank's processing times.
US-Based Support
Our customer service team is available Monday-Friday, 9am-6pm PT to assist you with questions about your application or loan.
Online Account Management
Access your loan details, and payment history through our secure online portal.
State Licensed Lender
We are licensed in select states and comply with all applicable state and federal lending laws.
About Bismarck Industries
Based in Woodland Hills, CA, Bismarck Industries, Inc. (NMLS ID: 2037045) is a responsible lender providing installment loans in our licensed states. We are committed to transparent lending practices and helping customers make informed financial decisions.
We currently offer loans to residents of the following states:
- California
Responsible Borrowing
Important Considerations
Personal loans should be used for short-term financial needs and not as a long-term financial solution. Borrowers with credit difficulties should seek credit counseling.
Late or missed payments may result in additional fees and interest charges as outlined in your loan agreement. Failure to make timely payments may be reported to credit bureaus, which may negatively impact your credit score.
The actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination, state law, and other factors. First-time borrowers qualify for a loan amount of $225. Returning borrowers may qualify for higher loan amounts based on payment history and eligibility criteria.
If you believe you may have difficulty making your payments, please contact us immediately to discuss payment options.
Ready to Get Started?
Visit SmartPayLoans.com today to check your rate and explore your loan options.
Apply at SmartPayLoans.com