To begin your application, please confirm you meet all criteria:
- ✓ At least 18 years old and a California or Utah resident
- ✓ Valid Social Security Number
- ✓ Checking account or Savings account in your name (1+ month history)
- ✓ Must successfully link bank account during application
- ✓ Stable income from:
Employment • Self-employment • Benefits • Retirement • Disability • Other verifiable sources
- ✓ Valid, active email address
California Residents:
A married applicant may apply for a separate account.
Confirm Eligibility
USA PATRIOT ACT NOTICE:
To help the government fight terrorism and money laundering, Federal law requires financial institutions to obtain, verify, and record identifying information for all account applicants. When you apply, we will ask for your name, address, date of birth, and other identifying information. We may also request documents like your driver’s license.
Underwriting Notice:
Bismarck Industries, Inc. d/b/a Smart Pay Loans (CA Financing Law License No. 60DBO-52241) uses alternative credit data and application information as part of our underwriting process. We do not approve all applications.
Decisions may take longer if additional verification is required. Approvals and loan amounts are subject to minimum income requirements and vary by state. Loan terms differ based on applicant qualifications and state regulations.
Rates, terms and conditions apply. Loans made or arranged pursuant to a California Financing Law license.