Menu
img01

Contact us

curve02

Frequently Asked Questions

Get Answers to Common Questions About Our Services
Have questions about our debt relief programs, loan options, or application process? Below are answers to some of the most frequently asked questions. If you need further assistance, our experienced loan specialists are here to help.

circle01
circle02
circle03
  • What credit score do I need to qualify?

    At Smart Path Capital, we assess applicants based on their overall financial situation, not just their credit score. We take a personalized approach to understanding your financial needs and ability to make consistent payments. Many of our clients are approved with credit scores ranging from 450 to 700. No matter where your credit stands, we encourage you to apply.

  • How soon will I receive a decision?

    After submitting your application, our team carefully reviews your details and typically provides a decision within 24 to 48 hours. In some cases, we may contact you sooner to verify information. Our goal is to provide a quick and seamless experience so you can move forward with confidence.

  • What if I’m not happy with the loan terms?

    We strive to provide multiple loan options with varying terms and payment plans to fit your budget. If you’re not satisfied with an offer, you are under no obligation to proceed. Additionally, we can continue to explore other available offers—just reach out to discuss your options.

  • Will applying affect my credit score?

    No, applying with Smart Path Capital will not impact your credit score. We use a soft credit check during the pre-qualification process, which allows you to explore loan options without any effect on your credit report. A hard credit check only occurs if you accept an offer.

circle04
circle05
circle06
image description
REPRESENTATIVE EXAMPLE OF APR

If you borrow $30,000 over a term of 5 years (60 months) with an APR of 4.99% you will pay $566.00 each month. The total amount payable will be $33,959.97, with total interest of $3,959.97.

ANNUAL PERCENTAGE RATE (APR)

Annual Percentage Rate (APR) represents the annualized interest rate you are charged for borrowing. It is the combination of the nominal interest rate and some additional costs such as fees involved when incurring debt. Our lender offers APRs for personal loans, cash advance loans, installment loans and debt consolidation loans from 4.99% to 35.99%. Since New Start Capital does not directly issue loans, we cannot deliver any specifics or guarantee the APR you will be offered. The APR depends solely on your lender’s decision, based on various factors including your credit score, credit history, income, and some other information you supply in your request. For more information regarding the APR contact your lender.