How It Works

Last updated: July 2026

SmartPathFunds makes it simple to see your short-term personal loan options from $100 to $5,000 — all from one short request.

Step 1 — Tell us the amount

Choose how much you need (from $100 to $5,000) and share a few basic details. It usually takes about two minutes on any phone.

Step 2 — We check the network

We securely pass your request to third-party lenders and lending partners to see who may be able to help. Checking your options begins with a soft inquiry, which does not affect your credit score.

Step 3 — Continue with a lender

If you're matched, you continue directly with the lender to review any offer and finish the process. You are never obligated to accept an offer. A lender may perform a full credit check before finalizing.

What you'll usually need

• To be 18 or older and a U.S. resident;
• A regular source of income;
• An active checking account;
• A valid email address and phone number.

What it costs

Using SmartPathFunds is free. We may be paid a referral fee by lenders in the network, which never changes what you pay. See Rates & Fees for details.

Contact

Email info@smartpathfunds.com.