Don’t Leave Yet!
Our lender partners can provide you with the loans you need up to $5,000!
How it works
Smartpaydayusa.com is not a lender and therefore does not make short term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third-party lenders.
You register online from your home computer or any mobile device. Because the process occurs in real time, it's very fast. If you are connected with a lender you will receive an offer from that lender with the terms and conditions of the loan. If you agree to the terms (and you may decline them,) the money could be available for your use as soon as the next business day.
Independent lenders
Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:
18 years of age or older
Minimum regular income of $1,000 per month
Valid checking or savings account with direct deposit
Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is), serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Please see our FAQs for more information about the process.
An Easy Process
We have created a simple and fast method that gets you the cash you need in a timely manner. Get started in minutes wherever you are with your mobile device.
Our forms
are fast and easy
to use!
The process
does not take long.
Get a quick decision!
Your money
is deposited into your
account without delay!