Find breathing room in your budget

Scan your credit, compare lower-cost options, and get a concierge to help you lock in savings.

By providing your phone number, you agree to receive text messages from Smoney for this pre-qualification process. These messages may include important updates, reminders, and information related to your pre-qualification process. Message and data rates may apply. Message frequency varies. Text HELP to (949) 670-9851 for assistance. You can reply STOP to unsubscribe at any time. I agree to the Privacy Policy and Terms of Service and wish to submit this form.

Private & secure

Takes 2 minutes

No obligation

No affect on credit

Three steps. Real relief.

A simple path from stress to savings.

Scan your credit

We summarize APRs, balances, utilization, and late‑fee risks—so you see exactly what’s costing you.

APRs & balances
Utilization & payment status
Quick‑win opportunities

Compare your options

Side‑by‑side comparisons: consolidation, lower‑rate loans, balance transfers, or negotiated plans.

Monthly payment fit
Total savings & term
Credit impact clarity

Save with a concierge

A real human handles forms, docs, and follow‑through—so you can focus on life, not paperwork.

Fast, friendly support
Applications done right
Ongoing check‑ins

Meet my concierge

Your potential savings

We’ll highlight estimated monthly savings, interest avoided, and the fastest path to payoff. Your concierge will confirm before anything’s final.

Est. monthly savings

$240

Interest avoided

$3,100

Fastest payoff

18 mo

Compare savings side-by-side

Option

Rate

Monthly

Total Cost

Consolidation Loan

8.9% APR

$420

$18,900

Balance Transfer

0% intro

$350

$17,200

Negotiated Plan

Varies

$315

$16,750

Estimates are illustrative. Availability varies by state and credit profile.

Real humans, real help

Your concierge handles applications, documents, and next steps—start to finish. Phone, chat, or text. We’ll even check in after setup to keep you on track.

Speak with a concierge

What people say

“The credit scan took two minutes and finally made sense of my debt.”

— Alyssa R., CA

“I went from juggling five payments to one I can actually afford.”

— Marcus T., GA

“My concierge handled everything. I just signed and started saving.”

— Nina K., WA

Testimonials reflect individual experiences; results vary. Savings depend on credit profile, partner criteria, rates, and terms.

Why Smoney?

Built for tough moments. Private, fast, and focused on savings you can feel.

No shame, just help

Plain‑language guidance and a clear plan. We focus on next steps, not blame.

One place for everything

Credit scan → options → guided setup. No bouncing between apps.

Security first

Bank‑level encryption; your data is never sold. Opt‑out anytime.

Frequently asked questions

Straight answers, no jargon.

Will this hurt my credit?

Our scan can use a soft inquiry that doesn’t affect your score (where available). Your

Are you a lender or a marketplace?

We partner with accredited providers to show you lower‑cost options and help you choose the best fit. Availability varies by state and profile.

How long does it take?

Most scans take ~2 minutes. Many users complete setup the same day.

How do you protect my data?

We use encryption in transit and at rest. Access is restricted and audited. You control sharing and can revoke at any time.

Ready to see your options?

Start with a quick scan. Your concierge will guide the rest.

Start credit scan Speak with a concierge

(800) 234-4045|info@smoney.app

Smoney Holdings LLC operates as a DBA of Smart Money Capital LLC, a California-registered corporation. All references to Smoney Holdings LLC pertain to Smart Money Capital LLC's operations and activities under this name. Visit smartmoneycapital.com for more information.